FXIFY provides forex traders with funded accounts and a profit-sharing system that rewards consistent performance. Here's a quick overview of how their payout structure works:
Rules checked on fxify.com on 10 Oct 2026.
- Account Funding: Traders can access accounts from $1,000 to $400,000: One, Two or Three Phase evaluations up to $400,000, the Lightning Challenge up to $100,000, or Instant Funding from $1,000 to $100,000.
- Profit Sharing: FXIFY's forex and CFD programs pay an 80% performance split as standard, or 90% with the split add-on bought at checkout. FXIFY Futures accounts can reach 100%.
- Evaluation Requirements: Programs have specific profit targets, drawdown limits, and trading rules. For example, the Two Phase Standard program requires a 10% profit target in Phase 1 and 5% in Phase 2, with a 4% daily loss limit and a 10% trailing maximum drawdown.
- Payout Options: On One, Two and Three Phase accounts the first payout is on demand once you close your first trade in profit, then every 30 days (bi-weekly with an add-on). Instant Funding pays every 14 days, starting 14 days after the first trade, and Lightning pays after 7 days, then every 14 days. All payout requests are processed via Rise.
Payout Eligibility Requirements
To qualify for FXIFY payouts, traders must complete the evaluation process and follow strict trading rules. The specific requirements depend on the program you select, with varying profit targets, risk limits, and trading guidelines.
One, Two and Three Phase Evaluations
FXIFY sells one, two and three phase evaluations, plus the one-step Lightning Challenge and Instant Funding with no evaluation. The One Phase program asks for a 10% profit target with a 3% daily loss limit and a 6% trailing drawdown. The Two Phase Standard program sets a 10% target in Phase 1 and 5% in Phase 2, with a 4% daily loss limit and a 10% trailing drawdown, and the Three Phase program asks for 5% in each phase with 5% daily and 5% static maximum drawdown limits.
The Lightning Challenge also has a 5% profit target but imposes stricter risk controls, including a 3% daily loss limit and a 4% trailing drawdown. Additionally, it enforces a consistency rule: no single profit day can account for more than 30% of your total profits to qualify for payouts.
If you opt for the Instant Funding program, you can skip the evaluation process entirely. The Standard version comes with an 8% daily loss limit and an 8% trailing drawdown; the cheaper Instant Funding Lite has a 3% daily loss limit, a 4% trailing drawdown and a 20% consistency rule.
Each evaluation phase also requires a minimum number of trading days to ensure consistent activity. One Phase, Two Phase Standard and Three Phase accounts need 5 trading days per phase, the Two Phase Classic needs 4, and the Lightning Challenge needs 3.
These benchmarks are designed to uphold strict trading standards and maintain account integrity.
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Trading Rules and Compliance
FXIFY enforces specific rules to ensure traders remain eligible for payouts. For instance, failing to execute at least one trade every 60 days results in an automatic breach across all programs. Other firms set different eligibility rules, as our breakdown of QT Funded payout rules shows.
Certain trading practices are strictly prohibited, as they can compromise account integrity. These include High-Frequency Trading (HFT), Reverse Hedging, Group Hedging, Account Management, and Latency Arbitrage. Engaging in any of these activities leads to immediate account termination and forfeits payouts.
Expert Advisors (EAs): EAs are allowed on all One, Two and Three Phase accounts, including the Two Phase Standard, Classic and Pro, but not on Instant Funding or Lightning Challenge accounts. If you rely on automated trading strategies, you’ll need to choose a program that permits their use.
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News Trading Restrictions: One, Two and Three Phase accounts allow news trading, though FXIFY warns that fills can be poor and that traders taking significant risks on news may be banned. Instant Funding and Lightning Challenge accounts have a blackout from 5 minutes before to 5 minutes after high-impact news. Profits from trades opened or closed in that window are disregarded and don't count toward payouts, while any losses stay on the account.
Here are the current rules for each FXIFY forex and CFD program, from its program pages and FAQs (checked on 10 Oct 2026):
| Program | Profit target | Daily loss limit | Max drawdown | Min trading days | EAs | News trading | Consistency rule |
|---|---|---|---|---|---|---|---|
| One Phase | 10% | 3% | 6% trailing | 5 | Allowed | Allowed | None |
| Two Phase Standard | 10%, then 5% | 4% | 10% trailing | 5 per phase | Allowed | Allowed | None |
| Two Phase Classic | 5%, then 10% | 4% | 10% static | 4 | Allowed | Allowed | 25% (funded only) |
| Two Phase Pro | 4%, then 8% | 4% | 8% static | 3 (0.5% profit per day) | Allowed | Allowed | None; $4,000 max gains per day |
| Three Phase | 5% per phase | 5% | 5% static | 5 per phase | Allowed | Allowed | None |
| Lightning Challenge | 5% | 3% | 4% trailing | 3 (5 days max to pass) | Not allowed | 5-minute blackout | 30% |
| Instant Funding | None | 8% | 8% trailing | None | Not allowed | 5-minute blackout | None |
| Instant Funding Lite | None | 3% | 4% trailing | 5 | Not allowed | Not allowed | 20% |
Copy Trading Rules: FXIFY allows copying trades between your own FXIFY accounts or from your FXIFY account to external accounts. However, copying trades into your FXIFY account from external sources requires prior submission of your master account statement. Copying trades from third-party traders is strictly prohibited and can result in immediate account termination.
Stop Loss Requirement: The Lightning Challenge has a unique stop loss rule. Your first two trades without stop losses result in soft breaches, leading to automatic position closures. A third violation becomes a hard breach, resulting in permanent account termination, unless you buy the add-on that removes the stop loss requirement.
Payout Timing and Frequency
FXIFY provides a payout system that combines reliability with flexibility, giving traders the choice between scheduled payouts and faster, on-demand withdrawals. Here’s how the two options work:
Bi-Weekly Payout Schedule
On One, Two Phase Standard and Three Phase accounts, the first payout can be requested on demand once a trade closes in profit, and later payouts every 30 days; a bi-weekly schedule is available as an add-on. Two Phase Classic accounts pay every 14 or 30 days with no on-demand first payout, and Two Phase Pro and Instant Funding Lite accounts pay every 10 days. Instant Funding accounts pay every 14 days, and Lightning accounts after 7 days, then every 14 days. The minimum withdrawal is $50 on every account type.
On-Demand Payout Options
On One, Two Phase Standard and Three Phase accounts, FXIFY lets you request your first payout on demand as soon as you close your first trade in profit. Lightning, Instant Funding and the other Two Phase accounts do not have first payout on demand.
Profit Split Percentages
After understanding eligibility and withdrawal processes, the next step is getting familiar with how profit splits work. FXIFY offers a profit-sharing model designed to reward traders with competitive splits that can grow based on performance and the program you choose.
Starting Profit Splits
FXIFY's forex and CFD programs start at an 80% performance split, and the Extra Performance Split add-on bought at checkout raises it to 90%. The table shows the base split, the maximum with the add-on and the payout cycle for each program (checked on 10 Oct 2026):
| Program | Base split | Max split with add-on | Payout cycle |
|---|---|---|---|
| One Phase | 80% | 90% | First payout on demand, then every 30 days (14 with the bi-weekly add-on) |
| Two Phase Standard | 80% | 90% | First payout on demand, then every 30 days (14 with the bi-weekly add-on) |
| Two Phase Classic | 80% | 90% (its program page says "up to 100%") | Every 14 or 30 days |
| Two Phase Pro | 80% | No split add-on listed | Every 10 days |
| Three Phase | 80% | 90% | First payout on demand, then every 30 days (14 with the bi-weekly add-on) |
| Lightning Challenge | 80% | 90% | First payout 7 days after the first trade, then every 14 days |
| Instant Funding | 80% | 90% | First payout 14 days after the first trade, then every 14 days |
| Instant Funding Lite | Not listed | Up to 90% | Every 10 days |
FXIFY shows the price of the split add-on only at checkout, where it depends on the account size, so check it there before you buy.
The Performance Split Add-On
On FXIFY's forex and CFD programs, the split rises through the add-on, which is bought with the account, not earned through performance. FXIFY's Lightning FAQ, for example, says the split "is 80%" and that "We also offer an add-on to increase your performance split to 90%". FXIFY Futures is a separate product: its Flex and Direct accounts pay 90%, and a Flex add-on takes the split to 100%.
Choosing the add-on is a trade-off between a higher fee up front and a bigger share of every payout you take later.
Whichever split you choose, payouts still depend on following the rules: the minimum trading days, the drawdown limits and, on Lightning, Classic and Instant Funding Lite accounts, the consistency rule.
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How to Request and Receive Payouts
Now that you've met the eligibility and compliance requirements, here's how you can request and receive your payouts. FXIFY has designed a secure and straightforward process to help you access your funds with ease.
Payout Request Process
First, ensure you've completed the evaluation phase and met the $50 minimum withdrawal requirement. You'll also need to complete your KYC verification through Riseworks at riseworks.io using the same email address linked to your FXIFY account. Once these steps are done, you can submit your payout request directly from the FXIFY dashboard.
Some programs even include a "First Payout On Demand" feature, allowing you to withdraw immediately after your first successful funded trade.
"After submitting your request, our team will review it, which may take 2-3 business days."
- FXIFY Futures Help Center
For your first payout, you'll receive an email with instructions to sign agreements with FXIFY through Riseworks. Once these agreements are finalized, future payouts are generally processed more quickly. Keep in mind, payout requests are reviewed Monday through Friday, between 9:00 AM and 9:00 PM GMT. Requests made outside of these hours or on weekends will be processed the next business day. Additionally, on One Phase, Two Phase Standard and Three Phase accounts your challenge fee is refunded in full with your first payout; Two Phase Pro fees are not refundable.
After submitting your request, it's time to choose how you'd like to receive your funds.
Payment Methods and Processing
FXIFY processes all payout requests via Rise, and from your Rise account you can withdraw by bank transfer or crypto. FXIFY does not open accounts for residents of the United States or a list of other restricted jurisdictions, so check eligibility before you buy.
For verified Rise accounts, processing typically takes up to 3 business days. However, delays may occur during public holidays or if additional verification is required. To date, FXIFY says it has paid out more than $40 million to traders.
"Once the agreements are signed, your payout will be processed and deposited into your Riseworks account. From there, you can withdraw the funds via bank transfer or cryptocurrency along with other options."
- FXIFY Futures Help Center
You keep your performance split (up to 90% on forex and CFD programs), not 100% of profits; check Rise for any fees on onward transfers. FXIFY Futures accounts follow their own schedule: Flex accounts can request a payout every 5 winning days, and Direct accounts any time they meet the requirements (checked on 10 Oct 2026 on fxifyfutures.com).
Conclusion
FXIFY's payout structure brings together the essential aspects we've covered, offering a transparent profit-sharing system that ties profit withdrawals to your evaluation success, adherence to trading rules, and consistent performance.
As you maintain steady results, you could see an increase in your profit split over time, giving you access to higher payouts as you advance. The payout process is built for ease, featuring various payment options and keeping fees as low as possible.
When starting your evaluation or gearing up for your first payout, understanding these steps will make navigating FXIFY's system much smoother. Focus on consistent trading, smart risk management, and staying within the rules to keep your trading journey on the right track. This approach ensures you can make the most of FXIFY's platform and maximize your trading potential.
FAQs
What are the main differences between the Two Phase Standard and Lightning Challenge programs in terms of evaluation and trading rules?
The Two Phase Standard program is structured around two distinct evaluation stages. In the first phase, traders are required to hit a 10% profit target. Once they clear that hurdle, Phase 2 kicks in, where the goal is a more modest 5% profit target. Successfully completing both phases showcases a trader's ability to maintain consistent performance over time, qualifying them for payouts.
Meanwhile, the Lightning Challenge emphasizes steady progress with a 30% consistency rule. This approach ensures that profits are achieved gradually, avoiding reliance on a single standout trading day. Both programs cater to different trading styles, offering flexibility for traders to choose the path that aligns best with their strategies and goals.
What are the eligibility criteria for increasing profit splits with FXIFY, and which performance metrics are evaluated?
FXIFY does not raise splits based on performance metrics. Its forex and CFD programs pay 80% as standard, and you move to 90% by buying the performance split add-on at checkout; FXIFY Futures Flex accounts can reach 100% the same way.
To get paid at either split, you still need to meet the payout criteria: the $50 minimum withdrawal, the minimum trading days, any consistency rule, and no breaches. FXIFY lists the steps in its payout request FAQ.
What strategies can traders use to follow FXIFY's rules and increase their chances of receiving payouts?
To align with FXIFY's trading rules and maximize your payout opportunities, there are a couple of key strategies to keep in mind. For example, the Lightning program enforces a 30% consistency rule. This means that your most profitable trading day shouldn't account for more than 30% of your overall profits. Staying under this threshold is essential to remain compliant.
Another important guideline involves FXIFY's news trading restrictions. For both Instant and Lightning accounts, you’re prohibited from opening trades within 5 minutes before or after high-impact news events. By carefully planning your trades around scheduled news releases, you can avoid rule violations and ensure you remain eligible for payouts.
