FXIFY — Funded Stage Rules & AI Trust Score

Hidden Rules & Critical Conditions

• One Phase Trailing Drawdown Locks at Initial Balance After Any Payout — Profit Buffer Disappears [Critical]: On the One Phase program, the 6% trailing drawdown locks permanently at the initial starting balance after EITHER (1) the account reaches 6% profit on the initial balance, OR (2) any payout is processed. This means: once you withdraw profits, the drawdown floor stays at 100% of starting balance. Example — $100k account, $8k profits made, trader withdraws $6k. The drawdown floor is now locked at $100,000. Remaining balance: $102,000. Safety buffer: only $2,000. A single bad trade of 2%+ could breach the account. Traders who withdraw frequently will repeatedly expose themselves to minimal buffers unless they are disciplined about retaining sufficient balance above the starting value. The same lock behavior applies to the Two Phase Standard (Trailing) variant.
• Instant Funding Trailing Drawdown Locks at Initial Balance After 8% Profit OR Any Payout [Critical]: The Instant Funding trailing drawdown (8%) behaves identically to One Phase. It locks at the initial starting balance after either (1) 8% profit is achieved in the account, OR (2) any payout/withdrawal is processed. This compounds with the already tighter 8%/8% identical daily/max limits. After a payout, the safety buffer between current balance and the locked floor can become very small. Traders planning to withdraw regularly on Instant Funding should ensure they maintain sufficient balance well above the starting balance floor at all times.
• Three Phase: Max Overall Drawdown Equals Max Daily Loss — One Bad Day Terminates Account [Critical]: The Three Phase funded-stage drawdown limits are: Max Daily Loss 5%, Max Overall Drawdown 5%. These are identical. A single worst-case trading session — where the full 5% daily loss limit is hit — simultaneously exhausts the entire max overall drawdown buffer. This is in stark contrast to industry norms where firms typically provide 2× to 3× the daily limit as the total buffer (e.g. 5% daily / 10–15% max overall). On Three Phase, there is effectively zero recovery room: one max-loss day is an automatic account termination. Traders should only use Three Phase if they are extremely confident in their daily drawdown discipline.
• Copy Trading Completely Banned on Instant Funding, Instant Funding Lite, and Lightning Challenge [Warning]: While FXIFY allows copy trading on evaluation programs (One Phase, Two Phase, Three Phase) under specific conditions, copy trading is COMPLETELY PROHIBITED on Instant Funding (Standard), Instant Funding Lite, and Lightning Challenge plans. Traders who use copy trading as their primary strategy cannot use FXIFY's Instant Funding programs. For evaluation programs, copy trading is allowed ONLY from your own FXIFY accounts with at least 30 days of trading history documented. Third-party signals, copy networks, and following other traders' signals are banned across all plans.
• Instant Funding Lite Has a 20% Consistency Rule — Not Advertised on Main IF Page [Warning]: There are two Instant Funding variants: Standard (no consistency rule) and Lite (has a 20% consistency rule). The Lite variant's consistency rule is not prominently disclosed on the main Instant Funding program page — it is found only in the IF Lite-specific FAQ. The 20% consistency rule means no single trading day's profit should exceed 20% of total account profits. Traders who achieve a breakthrough day early in their funded cycle could face payout complications if that day represents more than 20% of their total. Verify at checkout which variant you are purchasing.
• Daily Loss Limit Calculated on Previous Day's End-of-Day Balance (5PM EST) — Not Real-Time: The daily loss limit is calculated based on the account balance recorded at the end of the previous trading day (5PM EST). This means the daily limit reference point resets each evening at 5PM EST. On days when the previous close was above the starting balance (due to profits), the daily loss ceiling is calculated from that higher balance — giving slightly more absolute dollar headroom on profitable days. Conversely, traders should track the specific dollar amount of their daily limit based on the previous close, not a fixed percentage of starting balance.
• Post First Payout: Monthly Wait Required Unless Bi-weekly Add-on Purchased: The "payout on demand" applies to the FIRST payout only. After the first funded payout, all subsequent withdrawals shift to a monthly (30-day) cycle unless the "Bi-weekly Payouts" add-on was purchased at checkout. Traders who want regular bi-weekly payouts from the start must select and pay for this add-on during program purchase — it cannot be retroactively added. The Instant Funding plan uses a fixed bi-weekly cycle without needing the add-on.
• Scaling Plan Details Not Publicly Documented — "$4M" Claim Lacks Published Step Requirements: FXIFY markets "Scale up $4,000,000" as a headline feature on the homepage ticker. However, the dedicated scaling plan page is not accessible, and program pages do not publish the specific profit milestones, time requirements, approval criteria, or step structure required to access scaling. Traders considering FXIFY specifically for the scaling opportunity should contact FXIFY support to obtain current scaling rules before making a purchasing decision based on this feature.