Independent prop firm review · verified 19 September 2026
FXIFY Review 2026
Our verdict: FXIFY is best suited to experienced non-US traders who want a wide choice of evaluation and instant-funded structures, especially if they can match a static or trailing drawdown model to their strategy. Two Phase Classic and Pro offer static loss limits, while One Phase, Two Phase Standard and Instant use trailing structures. The trade-off is complexity: optional add-ons change some headline terms, Instant and Lightning impose tighter strategy restrictions, and US residents are currently excluded.
Best forNon-US traders who want several evaluation structures, static-drawdown choices or instant funding.
Avoid ifYou are a US resident, need unrestricted automation/copy trading, or want one simple ruleset across every programme.
Drawdown strictnessVaries materially — from 10% static on Classic to 4% trailing on Lightning and Instant Lite.
Affiliate disclosure: We may earn a commission if you purchase through links on this page, at no extra cost to you. This does not affect our score or verdict. FXIFY rules, add-ons, prices and country eligibility can change, so confirm the exact configuration before paying.
Christian Preciado
Founder & Lead Researcher at PropFirmsCompare
Christian is the co-founder and lead researcher at PropFirmsCompare, specialising in prop-firm evaluations, trading rules and payout structures. He applies trading-domain and QA experience to rule verification and structured comparisons.
View full bio →
Quick Facts
| Brand | FXIFY |
|---|---|
| Legal entity | FXIFY Solutions Limited |
| Established | 2023 |
| Jurisdiction | England and Wales, United Kingdom |
| Active programmes | One Phase, Two Phase Standard, Two Phase Classic, Two Phase Pro, Three Phase Challenge, Instant Funding Standard, Instant Funding Lite, Lightning Challenge |
| Markets | Forex, Indices, Commodities, Metals, Stocks |
| Platforms | MT5, Dxtrade, Tradingview |
| Account sizes | $1K, $2.5K, $5K, $10K, $15K, $25K, $50K, $75K, $100K, $150K, $200K, $250K, $400K |
| Profit split | 75%; 80% |
| Reward timing | On demand; First payout: 14 days; Every 10 days; Every 14 days; First payout: 7 days |
| Trustpilot snapshot | Numerical score not displayed because the database snapshot is older than 7 days (last checked 8 September 2026). |
| Last database verification | 8 September 2026 |
Score Breakdown
Our Verdict in 60 Seconds
FXIFY gives traders more ways to structure an account than a conventional one-product prop firm. The main evaluation routes include One Phase, three versions of Two Phase, Three Phase and Lightning, while Standard and Lite Instant Funding remove the evaluation altogether. That range is useful only if you compare the exact programme rather than relying on firm-level headline numbers.
The most practical choice for traders who dislike trailing drawdown is Two Phase Classic: it uses a 10% static maximum loss and permits weekend and news trading on the standard evaluation/funded route. Two Phase Pro is also static and uses lower 4% then 8% targets, but it introduces funded-stage controls such as profitable-day requirements, a daily profit cap and withdrawal limits. One Phase is shorter, but its 6% maximum loss trails the high-water mark.
FXIFY becomes less attractive if you need unrestricted automation or live-event flexibility on instant funding. Instant Standard and Lite prohibit EAs and copy trading, restrict high-impact news, and do not allow weekend holding. Lightning is also more restrictive than the normal evaluations and uses only a 4% trailing maximum loss. US residents are currently excluded.
Why trust this review?
This review was verified against FXIFY’s current programme pages, programme-specific Help Centre articles, payout policy, prohibited-strategy rules, platform information, legal/footer disclosures and Companies House record on 19 September 2026. We also cross-checked the structured Prop Firms Compare database. We have not independently traded an FXIFY account for this review, so spreads, slippage, execution latency, dashboard performance and support response time are not presented as first-hand measurements.
Jump to
- Company Overview
- Pros and Cons
- Who It Is For
- Programme Comparison
- Drawdown & Risk Rules
- Trading Rules & Restrictions
- Payout System & Reliability
- Challenge Fairness
- Pricing, Add-ons & Value
- Platforms & Technology
- Support, Transparency & Reputation
- Country Availability
- Payout Rules
- Strategy Compatibility Matrix
- Final Verdict
Compare FXIFY
Use the prop firm comparison tool to compare FXIFY programme-by-programme rather than relying on firm-level averages. UK traders can also see how FXIFY fits into our UK prop firm comparison. Because FXIFY currently restricts US residents, US traders should use our US prop firms guide instead.
Company Overview
FXIFY launched in 2023. Its current site identifies FXIFY Solutions Limited, company number 14451720, at a London registered office and describes that UK company as a payment agent. Companies House records FXIFY Solutions Limited as an active company incorporated on 31 October 2022. FXIFY’s footer separately identifies Prime Intermarket Group Eurasia Ltd as a Mauritius-licensed investment dealer.
Regulatory wording matters: the UK company registration does not make FXIFY’s prop-firm evaluation service FCA-regulated. Likewise, the fact that a separate group entity is described as a Mauritius-licensed investment dealer should not be turned into a blanket claim that every FXIFY prop-firm product is financially regulated. FXIFY describes a post-evaluation process involving KYC, a proprietary trader agreement and funded credentials; we have not independently verified how every funded trade is routed to external markets.
This review focuses on FXIFY’s principal Forex/CFD products: One Phase, Two Phase Standard, Two Phase Classic, Two Phase Pro, Three Phase, Instant Funding Standard, Instant Funding Lite and Lightning. FXIFY also sells dedicated Crypto products and a small Educational Instant Funding route. Those products use materially different rules, so they are not mixed into the main programme table.
FXIFY Pros and Cons
✅ Pros
- Wide range of evaluation and instant-funded structures rather than one fixed challenge model.
- Static-drawdown choices are available through Two Phase Classic, Two Phase Pro and Three Phase.
- Standard One Phase, Two Phase and Three Phase routes allow weekend holding and normal news trading, subject to prohibited-strategy rules.
- Current payout policy allows qualifying evaluation-derived funded accounts to request an initial payout on demand after a successful funded trade.
- MT5, DXtrade and TradingView are available across the main evaluation family, depending on programme.
- Instant Funding Lite starts at a relatively low regular/list price and offers a route without an evaluation.
- Several evaluation programmes offer refundable fees, while Two Phase Classic and Pro clearly disclose that they do not.
❌ Cons
- US residents are currently restricted from FXIFY.
- Headline terms vary significantly by programme and by paid add-on, which makes direct comparison harder.
- One Phase, Two Phase Standard, Instant Funding and Lightning use trailing maximum-loss rules.
- Instant Standard and Lite prohibit EAs and copy trading and do not permit weekend holding.
- Instant and Lightning restrict trading around high-impact news events.
- Lightning combines a 4% trailing maximum loss with a 30% consistency rule, giving less room for uneven returns.
- Two Phase Pro removes scaling, add-ons and fee refunds and applies specific funded-stage profit and withdrawal controls.
Who is FXIFY For
FXIFY makes most sense for traders who already understand how static and trailing drawdown change position sizing and want to choose a funding route around their strategy. It is particularly relevant to UK and other eligible non-US traders who want to compare several evaluation models without changing provider.
- Static-drawdown traders: Two Phase Classic, Two Phase Pro and Three Phase are easier to model than high-water-mark trailing structures.
- Traders wanting a conventional scalable route: Two Phase Standard combines a familiar two-stage process with scaling and a refundable fee, but uses trailing drawdown.
- Traders prioritising fewer phases: One Phase removes a second evaluation stage, but the 6% maximum loss trails the high-water mark.
- Traders wanting to skip evaluation: Instant Standard and Lite provide direct access to a funded-stage ruleset. Compare them with other instant funding prop firms before paying.
- Short-cycle traders: Lightning uses a fast one-step structure and seven-day funded payout eligibility, but the 4% trailing loss limit and 30% consistency rule demand tighter control.
- Eligible EA users: the normal One/Two/Three Phase family can support EAs after FXIFY approval, provided the chosen platform and strategy comply with the rules.
Who should avoid it
US residents should exclude FXIFY because the United States is currently on the restricted list. FXIFY is also a poor fit for traders who want the same rule set on every programme, depend on unrestricted EAs or copying on instant accounts, or routinely trade high-impact news and hold positions across weekends on an Instant account. Traders who dislike trailing drawdown should avoid judging One Phase, Standard Two Phase, Instant Funding or Lightning purely by their profit targets.
Programme Comparison
The dynamic table below compares FXIFY’s main active Forex/CFD programmes. Evaluation-stage targets are kept separate from funded-stage payout and consistency rules. The table deliberately excludes dedicated Crypto and Educational Instant Funding because they are separate product families.
| Rule | One Phase | Two Phase Standard | Two Phase Classic | Two Phase Pro | Three Phase Challenge | Instant Funding Standard | Instant Funding Lite | Lightning Challenge |
|---|---|---|---|---|---|---|---|---|
| Evaluation steps | 1 | 2 | 2 | 2 | 3 | None | None | 1 |
| Account sizes | $5K, $10K, $15K, $25K, $50K, $100K, $200K, $400K | $5K, $10K, $15K, $25K, $50K, $100K, $200K, $400K | $5K, $10K, $15K, $25K, $50K, $100K | $10K, $25K, $50K, $100K, $150K, $200K, $250K | $5K, $10K, $15K, $25K, $50K, $100K, $200K, $400K | $1K, $2.5K, $5K, $10K, $25K, $50K, $75K, $100K | $2.5K, $5K, $10K, $25K, $50K | $10K, $25K, $50K, $100K |
| Starting fee | From $59 | From $59 | From $59 | From $129 | From $39 | From $69 | From $19 | From $59 |
| Profit target | 10% | 10% → 5% | 5% → 10% | 4% → 8% | 5% | None | None | 5% |
| Daily loss | 3% | 4% | 4% | 4% | 5% | 8% | 3% | 3% |
| Maximum loss | 6% trailing | 10% trailing | 10% static | 8% static | 5% static | 8% trailing | 4% trailing | 4% trailing |
| Min. trading/profitable days | 5 | 5 | 4 | 3 | 5 | None | 5 | 3 |
| Time limit | Unlimited | Unlimited | Unlimited | Unlimited | Unlimited | Unlimited | Unlimited | 7 days |
| Consistency rule | None | None | Funded: ≤ 25% | None | None | None | Funded: ≤ 20% | Lightning Challenge: ≤ 30%; Funded: ≤ 30% |
| Profit split | 75% | 80% | 80% | 80% | 75% | 80% | 80% | 80% |
| Reward timing | On demand | On demand | First payout: 14 days | Every 10 days | On demand | Every 14 days | Every 10 days | First payout: 7 days |
Live structured snapshot from Supabase. Last database verification: 8 September 2026.
One Phase
Evaluation stage: 10% target, 3% daily loss, 6% trailing maximum loss and five minimum trading days. The current rules do not impose a short overall completion deadline, but the account is subject to inactivity limits. Funded stage: FXIFY’s current Fast Payouts policy allows an initial request on demand after a successful funded trade, with later cadence depending on the selected payout configuration. The core attraction is one evaluation phase; the main cost is tighter trailing drawdown.
Two Phase Standard
Evaluation stage: 10% target in Phase 1, 5% in Phase 2, 4% daily loss, 10% trailing maximum loss and five minimum trading days per phase. Funded stage: the current Help Centre publishes an 80% default split, upgradeable to 90%, a $50 minimum withdrawal and scaling eligibility. The fee is refundable with the first qualifying payout. Standard is the stronger fit when refundability and scaling matter more than static drawdown.
Two Phase Classic
Evaluation stage: 5% Phase 1 target, 10% Phase 2 target, 4% daily loss, 10% static maximum loss and four minimum trading days per phase. Funded stage: the current rules publish a 25% best-day consistency requirement and a choice between 80% profit share on a 14-day cycle or 100% on a 30-day cycle. Classic can scale, but its evaluation fee is not refunded. It is the clearest FXIFY route for traders who prioritise a static 10% maximum loss.
Two Phase Pro
Evaluation stage: 4% target in Phase 1 and 8% in Phase 2, 4% daily loss and 8% static maximum loss. Three profitable days of at least 0.5% are required. Funded stage: the profit split is 80% and payouts are scheduled every 10 days. FXIFY also publishes a $4,000 maximum daily funded profit and first-withdrawal caps. Pro has no scaling, no paid add-ons and no evaluation-fee refund. The lower targets therefore come with more specific funded-stage controls.
Three Phase
Evaluation stage: three 5% targets, 5% daily loss, 5% static maximum loss and five minimum trading days per phase. Funded stage: qualifying accounts can use FXIFY’s current evaluation-program payout policy and can reach a higher split through the relevant add-on. The evaluation fee is refundable. Three Phase suits traders who prefer smaller targets and static drawdown but are willing to complete more stages.
Instant Funding Standard
Funded from the start: no evaluation target. Current rules use an 8% daily loss limit and an 8% trailing maximum loss, with the trailing floor locking at starting balance after the published profit threshold or after a payout. The default split is 80%, with a 90% upgrade available. First payout eligibility is 14 days after the first trade, with 14-day cycles thereafter. EAs and copy trading are prohibited, high-impact news has a five-minute blackout on each side, and positions must be closed before the weekend.
Instant Funding Lite
Funded from the start: 3% daily loss, 4% trailing maximum loss and a 20% best-day consistency rule. The current July 2026 support matrix lists active sizes from $2,500 to $50,000; an older launch article still shows a $100,000 size, so the newer matrix is used here. Payout eligibility requires at least five trading days and ten total days. Lite is manual-only, prohibits EAs/copying, restricts high-impact news and does not allow weekend holding.
Lightning
Evaluation stage: 5% target, 3% daily loss, 4% trailing maximum loss and a 30% consistency rule. The current material describes a five-trading-day fast-track structure inside a short challenge window. Funded stage: the consistency rule continues, the default split is 80%, the first payout is after seven days and later payouts are normally every 14 days. Lightning is MT5-only, prohibits EAs and copying, restricts high-impact news, and currently does not offer scaling.
Separate FXIFY products
FXIFY also has dedicated Crypto Standard and Crypto Instant products with their own account sizes, drawdown, leverage, 24/7 trading and payout conditions. Standard Forex/CFD accounts should not be described as crypto accounts. FXIFY also offers a small Educational Instant Funding route tied to its course, with a $1,000 account and a separate activation structure. Keeping these products outside the main table prevents unrelated rule sets from being mixed together.
Before choosing an FXIFY programme
Choose the drawdown method and funded-stage restrictions before comparing the fee. A lower target can be offset by a tighter trailing loss limit, consistency rule or payout condition. Optional add-ons also change the effective price.
Drawdown & Risk Rules
FXIFY cannot be summarised with one maximum-drawdown number. Two Phase Classic uses a 10% static maximum loss, Two Phase Pro uses 8% static and Three Phase uses 5% static. One Phase uses a 6% trailing high-water-mark maximum loss, Two Phase Standard uses 10% trailing, Instant Standard uses 8% trailing and Instant Lite/Lightning use only 4% trailing.
Why this matters: on a static account, the maximum-loss floor stays tied to the starting balance. On a trailing account, profitable equity or closed-balance highs can move the loss threshold upward, reducing the distance between the account and breach level. FXIFY’s trailing-funded products can also lock the drawdown at the starting balance after a published profit threshold or payout.
For example, a $100,000 Two Phase Classic account with a 10% static maximum loss has a fixed $90,000 maximum-loss floor. A trailing account must instead be monitored against its current high-water-mark rule. Use the drawdown calculator and position size calculator before choosing between these structures.
Trading Rules & Restrictions
Trading permissions change by product. The normal One Phase, Two Phase and Three Phase routes are considerably more flexible than Instant Funding and Lightning. FXIFY’s prohibited-strategy policy still applies across the firm and covers exploitative behaviour such as latency arbitrage, high-frequency abuse, reverse/group hedging, collusive trading, account-management services, order-book manipulation and exploiting platform errors.
- News trading — standard evaluations: permitted on One Phase, Two Phase and Three Phase, but abusive/high-leverage news exploitation remains prohibited.
- News trading — Instant and Lightning: a five-minute restriction before and after high-impact events applies. FXIFY states that invalid profits can be disregarded while losses remain. Check events with our economic calendar.
- Weekend holding — standard evaluations: allowed on the main One/Two/Three Phase routes.
- Weekend holding — Instant: not allowed on Forex Instant Standard or Lite; FXIFY publishes an automatic flattening time before the weekend.
- Weekend holding — Lightning: allowed under the current Lightning rules.
- EAs: permitted on eligible One/Two/Three Phase products only after FXIFY support approval. DXtrade does not support EAs. Two Phase Pro allows bots/EAs subject to prohibited-strategy rules.
- EAs on Instant/Lightning: prohibited.
- Copy trading: can be allowed between the trader’s own eligible accounts and from an external account only under FXIFY’s approval process; third-party copying is prohibited. Instant Standard, Instant Lite and Lightning do not allow copy trading.
- Inactivity: 60 days is the published inactivity limit across the principal current account families.
- KYC: identity verification is part of the post-challenge/funded process.
Payout System & Reliability
FXIFY’s payout system is programme-specific rather than firm-wide. Its current Fast Payouts policy allows qualifying evaluation-derived funded accounts to request the first payout on demand after a successful funded trade. Two Phase Pro instead uses a 10-day schedule. Instant Standard uses a 14-day first and subsequent cycle, Instant Lite requires at least ten total days and five trading days, and Lightning advertises a first payout after seven days followed by 14-day cycles.
Rise is FXIFY’s published payout provider. FXIFY says verified withdrawals are generally processed within three business days, but processing and eligibility are different concepts: a trader must first satisfy the selected programme’s payout conditions. Trailing-drawdown funded accounts also need care after a withdrawal because FXIFY can lock the maximum-loss threshold at starting balance; withdrawing every dollar of buffer can leave the account with effectively no room for the next losing trade.
Challenge Fairness
The main evaluation family gives traders meaningful choice. One Phase reduces the number of stages; Two Phase Classic provides static drawdown; Standard provides scaling and refundability; Pro lowers the phase targets; and Three Phase divides the target into three smaller stages. The normal evaluations also avoid a short overall completion deadline, subject to inactivity rules.
The main fairness deduction is rule fragmentation. “FXIFY rules” is not a useful concept unless the exact programme is named. Minimum profitable days, static versus trailing drawdown, fee refunds, scaling, payout cadence and consistency can all change. Lightning is intentionally faster but also uses a tighter loss limit and consistency rule. Before buying, model the selected challenge using our prop firm challenge guide and challenge probability calculator.
Pricing, Add-ons & Value
FXIFY runs frequent promotions, so the dynamic pricing table below uses regular/list pricing stored in the Prop Firms Compare database rather than baking temporary coupon prices into the review. That makes the comparison more stable. Check our prop firm discount codes page separately if you want current promotions.
| Programme | $1K | $2.5K | $5K | $10K | $15K | $25K | $50K | $75K | $100K | $150K | $200K | $250K | $400K |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| One Phase | — | — | $59 | $89 | $119 | $199 | $379 | — | $549 | — | $1,049 | — | $2,950 |
| Two Phase Standard | — | — | $59 | $89 | $119 | $199 | $379 | — | $549 | — | $1,049 | — | $2,950 |
| Two Phase Classic | — | — | $59 | $89 | $119 | $199 | $379 | — | $549 | — | — | — | — |
| Two Phase Pro | — | — | — | $129 | — | $225 | $375 | — | $599 | $849 | $1,099 | $1,350 | — |
| Three Phase Challenge | — | — | $39 | $59 | $79 | $149 | $249 | — | $399 | — | $799 | — | $1,599 |
| Instant Funding Standard | $69 | $119 | $229 | $449 | — | $899 | $1,749 | $2,499 | $4,249 | — | — | — | — |
| Instant Funding Lite | — | $19 | $39 | $79 | — | $149 | $249 | — | — | — | — | — | — |
| Lightning Challenge | — | — | — | $59 | — | $149 | $249 | — | $399 | — | — | — | — |
Current active/list pricing stored in Supabase. Temporary promotions should remain outside the database unless deliberately recorded as time-limited offers. Last database verification: 8 September 2026.
Default terms vs optional add-ons
Default terms must be compared separately from upgrades. The base fee should not be presented as though it automatically includes the maximum profit split, faster payout cycle or higher leverage.
| Product family | Default / standard structure | Optional or alternative configuration |
|---|---|---|
| One Phase / Standard Two Phase / Three Phase | Programme-specific base split, leverage and payout cadence | Eligible orders can add a higher profit split, increased leverage and/or faster payout option. FXIFY also offers Performance Protect on eligible evaluations. |
| Two Phase Classic | Static drawdown; programme-specific funded consistency | Current rules publish a choice between 80% on a 14-day cycle and 100% on a 30-day cycle. Treat this as a programme choice, not as the default headline split for every FXIFY account. |
| Two Phase Pro | 80% split, 10-day payouts, static drawdown | No paid add-ons, no scaling and no evaluation-fee refund under the current rules. |
| Instant Funding Standard | 80% split, 14-day payout cycle | 90% split upgrade available; Performance Protect is not supported. |
| Instant Funding Lite | 80% split, manual-only rules, 10-day eligibility | 90% split upgrade available; the programme remains manual-only. |
| Lightning | 80% split, 4% trailing maximum loss, stop-loss requirement | 90% split upgrade is available. FXIFY also references an optional no-stop-loss configuration; confirm the current surcharge at checkout. |
Because add-ons alter the effective fee, compare the final checkout price rather than the starting challenge price alone. Two Phase Pro is simpler in this respect because the current product explicitly removes add-ons. Instant Lite is inexpensive at smaller sizes, but its 4% trailing maximum loss and 20% consistency rule mean it should not be chosen on price alone.
Platform, Execution & Technology
FXIFY currently supports MT5, DXtrade and TradingView across its principal evaluation family. The current platform FAQ says One Phase, Two Phase and Three Phase traders can use those platforms subject to programme availability and can sometimes switch before trading or at a phase transition. Lightning is MT5-only. Instant Funding uses its own supported platform combinations, including MT5 and DXtrade, with TradingView available on relevant configurations.
FXIFY also offers different feed/commission configurations on some evaluation products. We have not independently benchmarked FXIFY’s spreads, commissions, slippage, execution latency, server uptime or order routing, so this review does not score those as tested advantages. Traders using EAs should also note that DXtrade does not support EAs even where the FXIFY programme itself permits approved automation.
Support, Transparency & Reputation
FXIFY publishes extensive programme-specific Help Centre material, prohibited-strategy policies, payout rules, legal/footer information and support routes. The current site provides a Support Centre, live-chat/contact routes and support email addresses. Published staffed support hours before adding a specific ’24/7′ or response-time claim; the public material reviewed for this page does not provide one clear firm-wide support-hours guarantee.
Trustpilot showed FXIFY at 4.3/5 from approximately 6,229 reviews when checked on 19 September 2026. This is a third-party reputation signal, not evidence that every trader receives a payout or has the same experience. It is also different from the older 4.4 snapshot still stored in some Prop Firms Compare data, so the database value should be refreshed before publication.
The legal structure needs similarly careful wording. FXIFY Solutions Limited is a UK-registered company used as a payment agent. FXIFY’s site separately identifies Prime Intermarket Group Eurasia Ltd as a Mauritius-licensed investment dealer. We do not describe the FXIFY prop-firm evaluation service itself as FCA-regulated or make a blanket ‘regulated prop firm’ claim.
Country Availability
FXIFY’s current official restricted-residency list includes the United States and a number of other jurisdictions, including Zimbabwe, Iran, Iraq, North Korea, Somalia, Vietnam, Burundi, Central African Republic, Ivory Coast, Liberia, Libya, Sudan, Cuba, Syria, Afghanistan, Yemen, Palestine, Myanmar, Nicaragua, Congo Republic, Crimea, Democratic Republic of Congo, Eritrea, Guinea, Guinea-Bissau, Papua New Guinea, South Sudan, Vanuatu, Venezuela, Algeria, Russia, Belarus, Kenya and Ghana. KYC and a minimum age of 18 apply.
The UK is not on the current restricted list, which is why FXIFY can be relevant to eligible UK traders. US residents should not attempt to work around the restriction; use our US prop firms guide instead. Country lists can change, so verify eligibility again at checkout.
Payout Rules
Evaluation targets and funded-stage withdrawal conditions are different. The table below summarises the funded-stage rules that matter after passing or when starting directly on an Instant account.
| Programme | First payout / cadence | Funded split | Key funded-stage conditions |
|---|---|---|---|
| One Phase | First request on demand after a successful funded trade; later cadence depends on selected payout option | Programme default; up to 90% with eligible add-on | Trailing maximum loss; payout can lock the drawdown at starting balance. |
| Two Phase Standard | Initial request under Fast Payouts policy; later 30-day default or 14-day eligible configuration | 80% default; 90% upgrade | Trailing 10% maximum loss, $50 minimum withdrawal, scaling available, fee refundable on qualifying first payout. |
| Two Phase Classic | 14 days at 80% or 30 days at 100% | 80% or 100% depending on selected payout model | 10% static maximum loss and 25% best-day consistency; fee not refunded. |
| Two Phase Pro | Every 10 days | 80% | Three profitable-day framework, $4,000 funded daily-profit cap, early-withdrawal caps, no scaling/add-ons/refund. |
| Three Phase | Initial request under current Fast Payouts policy; later cadence depends on selected payout option | Up to 90% with eligible add-on | 5% static maximum loss; refundable fee on eligible payout. |
| Instant Funding Standard | 14 days after first trade; every 14 days thereafter | 80% default; 90% upgrade | 8% trailing maximum loss, no weekend holding, ±5-minute news restriction, no EA/copy trading. |
| Instant Funding Lite | At least 10 total days and 5 trading days; then 10-day cycle | 80% default; 90% upgrade | 4% trailing maximum loss, 20% consistency, manual-only, no weekend holding. |
| Lightning | First payout after 7 days; later every 14 days | 80% default; 90% upgrade | 4% trailing maximum loss, 30% consistency, news restriction, no EA/copy, no scaling. |
Strategy Compatibility Matrix
| Trader type / rule | Status | Important conditions |
|---|---|---|
| News trading | Conditional | Funded: Restricted. Evaluation / Funded / Phase 1 / Phase 2 / Phase 3: Allowed. |
| Weekend holding | Conditional | Funded: Weekend holding is prohibited. Lightning Challenge / Funded / Evaluation / Phase 1 / Phase 2 / Phase 3: Weekend holding is allowed. |
| EA / algo trading | Conditional | Funded: EA / algo trading is prohibited. Evaluation / Funded / Phase 1 / Phase 2 / Phase 3: Allowed With Conditions. |
| Copy trading | Prohibited | Copy trading is prohibited. |
| Inactivity | Restricted | Inactivity limit: 60 days. |
| Overnight holding | Allowed | Overnight holding is allowed. |
| US traders | Restricted | United States is listed as restricted. |
This matrix only publishes rules present in the structured Supabase data; it does not infer missing strategy permissions. Last database verification: 8 September 2026.
Best FXIFY Alternatives
The best alternative depends on the specific FXIFY weakness that conflicts with your strategy rather than on a generic firm ranking:
- E8 Markets — relevant to US residents because FXIFY currently restricts the United States; compare E8’s current US-compatible programme and platform conditions.
- FTMO — useful if you want a more standardised challenge catalogue and a longer operating history instead of FXIFY’s many programme/add-on combinations.
- The5ers — worth comparing if long-term scaling and a more conservative swing-trading profile matter more than FXIFY’s instant/fast-track options.
- FundedNext — compare if you want another provider with multiple evaluation structures and different reward schedules before accepting FXIFY’s programme-specific restrictions.
Final Verdict
FXIFY’s biggest strength is genuine programme choice. Traders can choose static or trailing drawdown, one-, two- or three-stage evaluations, a fast Lightning route, or Instant Funding. The normal evaluation family also gives eligible traders flexibility around platforms, weekend holding and approved automation that the firm’s Instant products do not.
The complexity is not cosmetic. Two Phase Classic and Pro behave very differently from Standard; Instant Lite is much stricter than its low fee suggests; and Lightning combines speed with a 4% trailing maximum loss and consistency requirement. Optional add-ons also mean the maximum advertised split or faster payout cadence is not always included in the base price. US residents are currently excluded.
For an eligible trader who wants static drawdown, Two Phase Classic is the cleanest FXIFY programme to model; Two Phase Pro can appeal when lower phase targets matter more than scaling or fee refunds. Traders who prefer a simpler provider or whose strategy depends on FXIFY-restricted behaviours should compare alternatives using the programme-level comparison tool before buying.
FXIFY Review FAQs
FXIFY is an identifiable operating prop-firm brand with a UK-registered payment-agent entity, published programme rules, KYC, support channels and active products. Its current site identifies FXIFY Solutions Limited and separately identifies Prime Intermarket Group Eurasia Ltd as a Mauritius-licensed investment dealer. That does not make the FXIFY evaluation service itself FCA-regulated or remove the commercial risks of using a prop firm.
Do not treat FXIFY’s UK company registration as financial regulation. FXIFY Solutions Limited is registered in England and Wales and is described on FXIFY’s site as a payment agent. FXIFY’s footer separately identifies Prime Intermarket Group Eurasia Ltd as a Mauritius-licensed investment dealer. We have not verified that FXIFY’s prop-firm evaluation service itself is regulated by the FCA or by the Mauritius regulator.
No. The United States is on FXIFY’s current restricted-residency list. US traders should compare firms that explicitly accept US residents rather than attempting to bypass the restriction.
There is no universal easiest programme. Two Phase Classic is easier to model for traders who prefer a 10% static maximum loss, while Two Phase Pro also uses static drawdown with lower 4% and 8% phase targets but adds profitable-day and funded-stage profit controls. One Phase is shorter but uses a 6% trailing maximum loss. The best fit depends on whether static drawdown, lower targets, scaling or fewer phases matters most.
Payout timing depends on the programme. Current FXIFY policy allows qualifying evaluation-derived funded accounts to request the first payout on demand after a successful funded trade, while Two Phase Pro uses a 10-day cycle. Instant Funding Standard uses 14-day cycles, Instant Funding Lite uses 10-day eligibility, and Lightning advertises the first payout after seven days followed by 14-day cycles. Rise is FXIFY’s published payout provider.
Standard One Phase, Two Phase and Three Phase evaluation routes permit news trading, although FXIFY still prohibits abusive high-leverage news strategies. Instant Funding and Lightning use a five-minute blackout before and after high-impact news; invalid profits can be removed while losses remain.
On eligible One Phase, Two Phase and Three Phase accounts, EAs can be used only after FXIFY support reviews and approves them; DXtrade itself does not support EAs. Copy trading between a trader’s own accounts can be permitted subject to FXIFY’s approval rules. Instant Funding Standard, Instant Funding Lite and Lightning prohibit EAs and copy trading, and Two Phase Pro has tighter copy-trading conditions.
Weekend holding is allowed on the main One Phase, Two Phase and Three Phase evaluation routes and on Lightning. FXIFY’s Forex Instant Funding Standard and Lite accounts do not allow weekend holding and are automatically flattened before the weekend, with the current rule referencing 15:45 EST on Friday.
Sources Checked for This Review
- FXIFY — current programme catalogue, country restrictions and legal/footer information
- FXIFY One Phase — current product structure
- FXIFY Two Phase — current programme family
- FXIFY Three Phase — current product structure
- FXIFY Instant Funding — current Standard/Lite product family
- FXIFY Lightning — current product structure
- FXIFY Fast Payouts — evaluation-program funded payout policy
- FXIFY Help Centre — drawdown, payouts, EAs, copy trading, news, weekend and prohibited strategies
- Companies House — FXIFY Solutions Limited
- Trustpilot — current FXIFY third-party review snapshot
What changed
- 19 September 2026: New dedicated FXIFY review prepared from the current programme catalogue, programme-specific Help Centre rules, payout policy, legal disclosures and structured database.
- Source-priority update: newer Help Centre matrices are used where older FXIFY launch articles still show superseded account sizes or product conditions.
- Publishing QA: update the Supabase Trustpilot snapshot from the stale 4.4 value to the current 4.3 / approximately 6,229-review snapshot before publishing.