FXIFY is a UK-based CFD prop trading firm operated by FXIFY Solutions Limited. It began offering evaluations in April 2023 and sells paid one-phase, two-phase, three-phase, one-step “Lightning” and instant funding challenges. Traders who pass keep a share of funded-account profits. Each program has its own drawdown model, minimum trading days, payout schedule and permitted strategies, so choosing FXIFY means choosing a specific program.
Strengths and trade-offs
Where FXIFY is flexible
- Program range: formats from three-step static evaluations to no-evaluation instant accounts, with static maximum loss on Two Phase Classic and Three Phase.
- Early payouts: on-demand first payouts on the main evaluation programs.
- Platforms and automation: four platforms including TradingView, and EAs permitted on evaluation programs after approval.
Where it is restrictive
- Fragmented rules: news windows, weekend closure, copy trading and EA permissions change by program, so a strategy that is legal on one account can breach another.
- Post-payout floor and Pro payout caps: both limit early room on the affected programs.
- Discretionary conduct rules: the gambling and risk-management bans leave room for judgment.
- No scaling: the faster-payout programs cannot be scaled.
Who operates FXIFY and what it offers
Traders can use four platforms: MetaTrader 5, MetaTrader 4, DXtrade and TradingView. Some features are platform-specific. Expert advisor rules apply to MT5 accounts, while Pine Script automation relates to TradingView.
Tradable markets include forex, metals (gold among them), indices, oil and other commodities, stocks, and crypto. Crypto is also the basis of a dedicated Crypto Instant Funding program. FXIFY has announced passing 4,000 Trustpilot reviews and launching a 2-Phase Pro program.
FXIFY’s home page reports “$40M+ Paid out”, although its fast payouts page shows a lower “$30M+” figure.
Eligibility is restricted by country. The restricted list includes the United States, along with Russia, Belarus, Iran, North Korea, Venezuela, Vietnam, Kenya, Ghana, Algeria and a number of other jurisdictions.
Programs and evaluation rules
FXIFY’s program families are:
- One Phase
- Two Phase, in Pro, Standard (trailing drawdown) and Classic (static drawdown) versions
- Three Phase
- Lightning Challenge
- Instant Funding, in Standard and Lite versions, plus a Crypto Instant Funding variant
One Phase
The $25K One Phase account has these terms:
- Profit target: 10%
- Daily loss limit: 3%
- Maximum loss: 6%, trailing
- Minimum trading days: 5
- Profit split: up to 90%
A 10% target against a 6% trailing ceiling is the most demanding ratio among FXIFY’s programs. The trader must make more than the allowed loss, and that loss limit follows the account upward.
Two Phase: Classic, Standard and Pro
Two Phase Classic uses a static maximum loss. The $5K version has these terms:
- Profit target: 5%
- Daily loss limit: 4%
- Maximum loss: 10%
- Minimum trading days: 4
- Time limit: none
- Profit split: up to 100%
- Consistency rule: none
FXIFY’s two-step structure also sets a 10% target in Phase 1 and 5% in Phase 2, so traders should confirm which phase the 5% Classic target covers before buying.
Two Phase Standard is the trailing-drawdown version of the two-step model. It requires 5 minimum trading days per phase.
Two Phase Pro has a different minimum-day rule: 3 profitable trading days of at least 0.5% each. A day that ends flat or slightly positive does not count. The firm has also announced a static-drawdown version of 2-Phase Pro with lower targets, at sizes up to $250K.
Three Phase
The $25K Three Phase account sets a 5% profit target, a 5% daily loss limit and a 5% static maximum loss. It requires 5 minimum trading days and offers a profit split of up to 90%. Each target is modest, but there are three stages to clear, and the overall drawdown is the tightest of FXIFY’s programs.
Lightning Challenge
Lightning is a one-step challenge sold from $5K to $100K. It has a 5% profit target, no minimum trading days and a split of up to 90%. Its conduct rules are stricter than the standard evaluations:
- Stop losses are mandatory. A first or second trade opened without a stop loss is closed automatically as a soft breach. The third such trade is a hard breach and ends the account.
- Copy trading is not allowed.
- EAs and bots are not allowed.
- Scaling is not available.
Instant Funding
Instant accounts skip the evaluation, but the rules are tighter:
- Minimum days: Instant Standard has none. Instant Lite has 5.
- News trading: Opening, closing or modifying orders (including stop-loss and take-profit fills) is restricted from 5 minutes before to 5 minutes after high-impact news. Holding a position through the release is allowed, but profit made inside that 10-minute window is not counted.
- Weekend holding: not allowed. Open positions are closed automatically before the market closes on Friday.
- EAs, bots and copy trading: prohibited.
The $5K Crypto Instant Funding account has a 3% daily loss limit, a 6% trailing maximum loss, 7 minimum trading days, an 80% bi-weekly split and a 25% consistency rule. That rule means no single day’s profit can make up more than a quarter of total profit when requesting a payout.
Other FXIFY programs carry their own single-day caps of 20%, 25% or 30%. Depending on the program, these apply during payout, or during both the evaluation and payout.
How trailing and static drawdown differ
Hypothetical example, for mechanics only: take a $25,000 account with a 6% maximum loss, so the starting floor is $23,500.
- Static: the floor stays at $23,500 however high the account climbs. A trader who reaches $26,000 has $2,500 of room above the floor.
- Trailing: the floor rises as the account makes new highs. At $26,000, a 6% trail from that peak (assuming it trails the full amount) moves the floor to $24,440, leaving $1,560 of room. A later pullback can breach the account even though it is still above its starting balance.
FXIFY adds a payout-specific rule here. For One Phase, Two Phase trailing, Lightning and Instant funded accounts, the maximum drawdown locks at the starting balance after the first payout. From then on, a loss that takes equity below the original balance ends the account. Profits left in the account become the only buffer.
FXIFY also offers Performance Protect, a feature intended to safeguard funded accounts if a drawdown breach occurs.
Leverage, instruments and trading costs
Standard leverage is:
| Asset | Leverage |
|---|---|
| FX and gold | 30:1 (up to 50:1 with an add-on) |
| Indices | 10:1 |
| Oil | 5:1 |
| Other commodities | 10:1 |
| Stocks | 2:1 |
| BTC, ETH, SOL | 5:1 |
| Other crypto | 2:1 |
Higher leverage, including the 50:1 add-on for FX and gold, shrinks the margin needed per position. It does not change the daily or maximum loss limits, so the same price move still consumes the same share of drawdown.
Costs depend on account pricing:
- Raw spread accounts: a commission of $6 per lot on FX and similar CFDs.
- All-in accounts: commission-free, with costs built into the spread.
- Stocks: 0.35% per round trip (opening and closing combined) on both raw and all-in accounts.
Trading rules and prohibited strategies
Expert advisors and automation
EAs are allowed on evaluation programs after review and pre-approval by support, but not on Instant or Lightning accounts. To get an EA reviewed, traders submit:
- a description of the EA
- the timeframe it trades
- the average holding time
- the pairs it trades
- its take-profit target in pips
- whether it uses high-frequency trading
- whether it involves latency arbitrage
Copy trading
Traders may copy trades between their own FXIFY accounts, and from FXIFY accounts to external accounts. Copying is not allowed on Instant Funding, Instant Funding Lite or the Lightning plan. On 2-Phase Pro it is allowed only when the Pro account is the master. Copying another person’s trades is prohibited.
Prohibited strategies
FXIFY bans the following:
- high-frequency trading
- latency arbitrage
- statistical arbitrage
- reverse hedging and group hedging
- account management by third parties
- delayed data feeds or delayed charts
- order book spamming
- herd trading and collusion between users
- exploiting bugs or glitches
It also lists poor money management, improper risk management and gambling-style behavior (all-in or impulsive trading) as violations. High-leverage news trading is treated as a violation when it amounts to gambling without proper risk control.
Position sizing that FXIFY reads as reckless can count against an account even if no numeric limit was hit.
Account identity and activity
- Inactivity: an account must place at least one trade every 60 days. Missing that window is a breach.
- Purchased accounts: accounts obtained through third parties are subject to termination. Limited exceptions exist, such as a married couple sharing a bank account.
- IP and devices: using different IPs and devices is allowed. However, several accounts on the same IP, or several users sharing one computer ID, can trigger a review for account management or KYC problems.
Payouts, profit split and scaling
Schedule by program
| Program | First payout | After that |
|---|---|---|
| One Phase, Two Phase trailing, Three Phase | On demand, once the first trade closes in profit | Every 30 days, or every 14 days with the bi-weekly add-on |
| Two Phase Pro, Instant Lite | Every 10 days | Every 10 days |
| Instant Funding | 14 days after the first trade | Every 14 days |
| Lightning (funded) | After 7 days | Every 14 days |
Profit splits vary by program. The “up to” figures mean the top split may depend on add-ons or account progression rather than being the default.
Payout mechanics
- Minimum withdrawal: $50 on all account types.
- Processing: requests are processed within three business days.
- Account status during review: the account is read-only until the withdrawal is approved, so no trading while it is pending.
- Compounding: profits can be left in the account instead of withdrawn.
- Methods: Rise, crypto and bank transfer. Traders in Ukraine, where Rise is unavailable, can be paid in USDC or USDT.
2-Phase Pro caps its first two payouts:
- $10K to $150K accounts: 5% of the initial balance per payout.
- $200K and $250K accounts: $8,000 per payout.
- Third payout onward: no cap.
On a $100K Pro account, for example, each of the first two withdrawals is capped at $5,000 however much the account has gained.
Scaling
Scaling is not available on 2-Phase Pro, Instant Standard, Instant Lite or Lightning. On the eligible programs, a trader qualifies for a 25% scale-up by meeting two conditions over three months:
- a 10% return
- at least two profitable months out of the three
The review repeats every three months under the same conditions, up to four times.
How we checked FXIFY
We visited fxify.com on 13 November 2026, connecting from Estonia, and ran the register check the same day from Tallinn, Estonia. On the home page we scrolled to the footer. There FXIFY names FXIFY Solutions Limited as a registered UK company (Company No. 14451720) at 142 Central Street, Clerkenwell, London, EC1V 8AR, “operating as a payment agent”. No regulator statement appeared. Nor did a risk warning. From there we opened the Crypto program page and the One Phase page, then clicked “Purchase Assessment” in the footer, which took us to the challenge purchase page. A live chat window was available on the site.
Prices were easy to find. As far as we could tell, the challenge purchase page listed account sizes with their fees before any sign-in step. On Two Phase Classic, the $100,000.00 account costs $659.00 and the $400,000.00 account costs $2,950.00. The home page shows the $5k account at $59 next to a reduced $44.25. The Classic rules on the home page matched what this review describes: a 5% target, a 4% daily loss limit, a 10% static maximum drawdown, 4 minimum trading days and unlimited time. Leverage was listed as 30:1 for FX and gold. We did not buy a challenge.
Companies House, the UK company register, returned FXIFY SOLUTIONS LIMITED, company number 14451720, status Active, incorporated 31 October 2022, at the same Clerkenwell address the footer gives. That matches the site’s claim. Keep in mind that a UK company record shows the company exists. It is not a financial licence.
We read FXIFY’s Trustpilot page on 13 November 2026, when it scored 4.3/5 from 6,656 reviews. The company had replied to 7 of the 8 newest. The domain was registered on 2016-11-06, and its first Wayback Machine capture dates from 2018-08-06. That capture may predate the current brand. We could not verify the payout record. The home page says “$40M+ Paid out” while the fast payouts page says “$30M+”, and we had no way to test either figure ourselves.
Who FXIFY may suit
Two Phase Classic may suit traders who want a static drawdown, no time limit and no consistency rule. Its 4-day minimum is lower than the 5 days required on One Phase and Three Phase.
Lightning or Instant may suit discretionary traders who place every trade with a stop, hold nothing over weekends and avoid trading around news releases.
MT5 evaluation accounts are the route for algorithmic traders, after EA approval.
FXIFY will not suit traders who:
- live in a restricted country
- rely on news scalping on instant accounts
- need copy trading on Lightning or Instant
Alternatives
| Provider | Score | Fee | Split | Payouts | |
|---|---|---|---|---|---|
| 5.8/10 | $531 | 85% | Bi-weekly | Weekly with add-on | Review | |
| 7.8/10 | $159 | 60% or 80% | Daily | Review | |
| 7.0/10 | $231 | 90/10 | Instant Payouts | Review |