Simulated one-, two- and three-phase evaluations, a one-step Lightning Challenge and Instant Funding accounts, plus crypto programmes
Checked 8 October 2026
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FXIFY sells One Phase, Two Phase and Three Phase evaluations, a one-step Lightning Challenge and Instant Funding accounts, which have no evaluation. Its programme pages list stocks, metals, indices and forex as markets. A separate crypto page offers Crypto Instant Funding and a Crypto Standard (1 Step) evaluation. The homepage gives account sizes from $5,000 to $400,000 starting capital.
FXIFY's General Terms describe the trading as simulated: they say trading through the services "is not real" and that the funds provided for demo trading are fictitious. Some marketing pages use different wording: the Programs page describes a programme that lets traders "begin trading live capital from day one". The How It Works page speaks of traders who "directly access real capital". We describe the accounts as the Terms do. The site footer names Prime Intermarket Group Eurasia Ltd, which it says is licensed in Mauritius as an Investment Dealer under licence number GB24204066, and FXIFY Solutions Limited, a UK company it describes as a payment agent.
Everything in this review comes from FXIFY's own web pages, saved on 7–9 October 2026. Rules and prices change, so check the firm's site before you buy.
| Account types | 1-Step evaluation, 2-Step evaluation, 3-Step evaluation, Instant funding (no evaluation) 1 |
|---|---|
| Markets | Forex, Crypto, Stocks, Indices, Commodities, Metals 12 |
| Platforms | DXtrade, MetaTrader 5, TradingView 1 |
| Allowed / offered on at least one account type |
Rules can differ between account types — check the linked page for the account you want. |
| US traders | Not accepted 12 |
| Restricted countries named | Afghanistan, Algeria, Belarus, Burundi, Central African Republic, Congo, Cuba, Côte d'Ivoire, DR Congo, Eritrea, Ghana, Guinea, Guinea-Bissau, Iran, Iraq, Kenya, Liberia, Libya, Myanmar, Nicaragua, North Korea, Palestine, Papua New Guinea, Russia, Somalia, South Sudan, Sudan, Syria, United States, Vanuatu, Venezuela, Vietnam, Yemen, Zimbabwe 1 Countries the firm names. Its list may also refer to sanctions lists or other countries — check the linked page. |
The homepage groups the forex programmes as follows.
| Programme | What the homepage says | Performance split | Starting capital |
|---|---|---|---|
| Instant Funding | No evaluation, no targets, bi-weekly payouts | Up to 90% | Up to $50K |
| Lightning Challenge | 1-step evaluation, 5% target, fees "from as low as $59" | Up to 90% | Up to $100,000 |
| Evaluation Programs (One, Two and Three Phase) | First payout on demand, static and trailing drawdown options, unlimited trading days | Up to 90% | Up to $400,000 |
The homepage price card showed the $5k Two Phase (Classic) account at $59, with a lower price shown with a discount code. Several programme pages also show a price of $250 "For $5k account", but our saved copies do not show which programme that price belongs to. The homepage also says traders can "get started with as little as $39", without naming the programme.
The site's FAQ says the purchase fee covers the challenge and verification and that there are no hidden fees. The pages we saw did not say whether the fee is one-time or recurring. At the time of capture the site showed two promotions: one for new traders on the One Phase programme and a monthly offer on all programmes except Instant Funding Lite. Instant Funding Lite is named only in the promotion wording; we could not see a description of it.
The homepage lists checkout add-ons: higher leverage (up to 50:1), a higher performance split (up to 90%), bi-weekly payouts, Performance Protect (withdraw remaining earnings after a drawdown breach) and a choice of RAW or commission-free (All-in) price feed. The FAQ says add-ons carry an extra cost; our saved text does not show the add-on prices.
The homepage price card for the $5k Two Phase (Classic) account listed these rules.
| Rule | $5k Two Phase (Classic) |
|---|---|
| Profit target | 5% ($250) |
| Daily loss limit | 4%, based on the balance at the end of the previous day (5 PM EST) |
| Maximum drawdown | 10%, static |
| Consistency rule | N/A |
| Minimum trading days | 4 days |
| Maximum trading days | Unlimited |
| Performance split | Up to 100% |
| Leverage | Up to 30:1 |
| EAs / weekend holding / trading through news | Yes / Yes / Yes |
| Platform | MT5, DXTrade or TradingView |
| Payout on demand / payout frequency | No / 14 or 30 days |
The card has Phase 1, Phase 2 and Funded tabs, and our saved text shows one set of figures without saying which tab they belong to. The homepage programme selector lists Classic, Standard and Pro versions, labelled Static, Trailing and Static. A homepage news item says a 2 Phase Pro was launched with static drawdown.
The How It Works page describes an objective to "generate a return of 10% without incurring a max trailing drawdown of 10%" or a daily drawdown of 4% based on the previous day's ending balance, and elsewhere a 5% return without exceeding a 10% maximum trailing drawdown. Our saved copy does not show which programme or version each of these figures applies to.
The Three Phase page says the programme has a lower profit target "of only 5% to advance to the next stage".
The Lightning page advertises "ONE STEP. 5% TARGET. 5 DAYS TO PASS." and says traders must hit 5% in the evaluation account to get funded. The How It Works page instead describes getting funded "within a condensed timeframe of just 7 days". We could not see the Lightning drawdown rules.
The Instant Funding page says there are no requirements: you purchase and trade, with no targets. We could not see its loss limits.
The crypto page lists a 9% profit target and the rules "3% daily, 6% max trailing, 25% consistency, 7 minimum trading days". The same page also says "4 minimum trading days on evaluation, and a minimum of 7 trading days on the funded account". It describes Crypto Instant Funding as having no evaluation.
The FAQ gives standard leverage of 30:1 on FX and gold, 10:1 on indices, 5:1 on oil, 2:1 on stocks and 10:1 on other commodities. It says leverage can be raised to 50:1 on FX and gold at checkout. Some listed currency pairs, such as USDTRY and USDZAR, have a fixed leverage of 1:6.
The homepage advertises "EAs Allowed", "Martingale & Grid Allowed", "No SL Required" and "Hold Over Weekend". The General Terms (October 2026 file) set out prohibited practices, including:
The Terms also refer to cutting leverage from the standard ratio to 10:1 for FX and metals starting 10 minutes before certain events. The Terms say an updated list of prohibited trading is published separately; we did not capture it. Read the homepage feature list together with these Terms before relying on news or weekend trading.
The homepage says the first payout on 1, 2 and 3 Phase evaluation accounts can be requested after opening and closing a successful trade, with no minimum target. It says payouts are available as early as the first funded trading day after passing an evaluation, and that you "receive it instantly". The $5k Two Phase (Classic) card on the same page lists "Payout On Demand" as "No", so check the rules of your exact version. The One, Two and Three Phase pages also say "5 Minimum trading days." next to the 50 USD payout minimum. The homepage and the How It Works page say there are no minimum days.
The programme pages say that after the first payout, withdrawals are once a month or as often as every two weeks. The homepage lists bi-weekly payouts as a checkout add-on. The Instant Funding page says Instant Funding accounts offer payouts every 14 days, with the first payout on demand after the first live trade.
The homepage gives a minimum payout of 50 USD across all accounts. The page also says "No minimum or maximum amount". The How It Works page says "There's no minimum amount". We use the 50 USD figure, as it is the more specific statement.
The programme pages say traders can receive up to 90% performance split on live accounts. The homepage says the 90% is reached using add-ons available at checkout. The Three Phase page says the add-on increases the split by 15%. The How It Works page says it increases the split by 10%. We did not see the split without the add-on stated on the pages we saved. The homepage also advertises "Up to 100% Performance Split", and the $5k Two Phase (Classic) card shows "up to 100%", without conditions in our saved text. The crypto page offers up to 100% "on eligible plans".
The FAQ says the purchase fee is reimbursed with the first payout, on request, for 1, 2 and 3 Phase plans. The Terms describe cases in which accounts are cancelled without a refund of fees already paid. On scaling, the How It Works page says only that consistent trading "can also lead to scaling opportunities and increased capital".
The homepage says FXIFY has paid out $40M+ to traders, with a single highest payout of $117,000. The Fast Payouts page shows a lower total of $30M+. These are the firm's own figures; we have not checked them.
The homepage lists TradingView, MetaTrader 5 and DXTrade. The programme pages name Trading Platform 4, Trading Platform 5, DXtrade and TradingView. The How It Works page says TP4 and TP5 are only available to clients outside the US.
The homepage advertises over 150 symbols, including stocks. It says traders choose between a RAW price feed and commission-free (All-In) trading at checkout, and quotes spreads "from as low as 0.0" on major FX pairs and gold. The crypto page lists 80+ crypto assets and names DXTrade among its platforms, with TradingView marked "Coming soon". The homepage also links to FXIFY Futures, a separate futures offer with up to $450,000 simulated capital, which this review does not cover.
The footer says Prime Intermarket Group Eurasia Ltd has its registered office at 6 St Denis Street, 1/F River Court, Port Louis, Mauritius. It gives FXIFY Solutions Limited's registered office as 142 Central Street, Clerkenwell, London EC1V 8AR. The General Terms name FXIFY Solutions Limited, company no. 14451720, with a registered office at Unit 1, 74 Back Church Lane, London E1 1LX. The two addresses differ; we report both. The Terms say FXIFY Solutions Limited is not involved in the FXIFY Trader Program agreement. They also refer to a 30-calendar-day period for activating a Challenge.
FXIFY says it does not open accounts for residents of a list of jurisdictions that includes the United States, Russia, Belarus, Iran, Iraq, North Korea, Vietnam, Venezuela, Algeria, Kenya and Ghana, among others. The site is intended for users aged 18 and over.
FXIFY may suit traders who want a choice between one-, two- and three-step evaluations or an account with no evaluation. Traders who want an early first payout may note the on-demand first payout the homepage advertises on 1, 2 and 3 Phase evaluation accounts, though not on every version. It is not open to US residents. News, gap and high-speed traders should read the General Terms first.
MyPropGenius Rating:
The rating measures how openly FXIFY discloses its rules, pricing, payouts and ownership (our Transparency Index methodology). It does not measure how likely you are to pass or be paid.
Entities, numbers and jurisdictions are given (Mauritius Investment Dealer licence GB24204066; UK company 14451720 as payment agent), and the Terms say demo-trading funds are fictitious. The pages name the companies and refer to '20+ years of industry experience', but we found no founder, owner or team member named. We found no dedicated refund page. The firm's pages give only aggregate payout claims, and the totals differ between pages. The earliest Internet Archive copy of fxify.com is from 6 Aug 2018, but UK Companies House shows the UK company the firm names (14451720) was incorporated on 31 Oct 2022, and the pages give no founding year, so we count from 2022: about 3.9 years.
Its Transparency Index score is 52/100 (Mixed). We do not verify payouts or test accounts; this is what the firm’s own pages show.
Check the current rules and prices on the firm's own website before you buy.
We have no commercial relationship with FXIFY. Links to its website are not affiliate links.
FXIFY offers a wide range of programmes, from Instant Funding to one-, two- and three-step evaluations, with an on-demand first payout advertised on its phase evaluations (not on every version). Its General Terms are strict on gap trading, connected accounts and discretionary bans, and they describe the accounts as demo trading with fictitious funds. Because the firm's pages disagree on several details, check the rules of your exact programme and version, and the final price, at checkout.
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Find my matchThe General Terms say trading through the services is not real and the funds provided for demo trading are fictitious.
Programme pages say up to 90%, and the homepage says 90% is reached with checkout add-ons. The homepage also advertises up to 100%, without conditions in our saved text.
On 1, 2 and 3 Phase evaluation accounts, the homepage says you can request it after opening and closing a successful trade on the funded account. The $5k Two Phase (Classic) card on the same page lists Payout On Demand as No, and the programme pages mention 5 minimum trading days, so check your exact version.
The FAQ says the purchase fee is reimbursed with the first payout, on request, for 1, 2 and 3 Phase plans. The General Terms describe cases in which fees already paid are not refunded.
No. The United States is on FXIFY's list of jurisdictions where it does not open accounts.
The homepage lists TradingView, MetaTrader 5 and DXTrade. Programme pages also name Trading Platform 4 and Trading Platform 5.