FX / CFD · 2-step · 1-step · 3-step · Instant · Since 2023

FXIFY Review: rules, challenges and payouts

Name: FXIFY Review (2026): Rules, Payouts & Code REWARD25 | XSR
Item: FXIFY
Rating: 4.1
Author: XSR Trading Community

Suits — A choice of one, two or three phases, with the fee refunded on the first payout.

CEO: David Bhidey (co-founder)
Headquarters: London, United Kingdom
Founded: Apr 2023· 3 yrs
Access: HKOpenTWOpen

Platforms

MT4
MT5
DXtrade
TradingView

Discount code

Official code

25%OFF

Open FXIFY

Ends 31 Oct 2026Seen live 7 Oct 2026

1Copy the code
2Open the firm's checkout
3Paste it before you pay

What it covers

The site banner's monthly offer: 25% off every program except Instant Funding Lite, ending 31 October 2026 (another line says midnight EST on 1 November). New traders buying One Phase can use ONESTEP35 for 35% off instead, valid to 31 December 2026.

The firm's own public code. Anyone can use it and XSR earns nothing from it.

XSR score

From

$19

one-time · $2.5K

Max allocation

$805K

One active account per size on 1-, 2- and 3-Phase plans: one each from $5K to $400K, $805,000 in total. Two Phase Pro is counted separately (one per size, $785,000). Only one Instant Standard and one Lightning can be traded at a time, and one Instant Lite per size. Scaling can take a $400K account to $4,000,000.

Sizes

$1K–$400K

Programs 10

First payout

1day

first on demand, then monthly (bi-weekly with an add-on)

Trustpilot

4.3/5

What FXIFY is, and who it suits

What the firm is, who it suits, and what you will trade it on.

XSR summary

FXIFY launched in April 2023. Your contract is with FXIFY Solutions Limited, a London-registered company in the FXPIG broker group, and its partner broker entity Prime Intermarket Group Eurasia holds an FSC Mauritius dealer licence. It sells more forex programs than most: One Phase, Two Phase in Standard (trailing), Classic (static) and Pro versions, Three Phase, the 7-day Lightning, and Instant Funding Standard and Lite, plus two crypto plans. On 1-, 2- and 3-Phase the fee comes back with the first payout, which is on demand; after that payouts are monthly unless you buy bi-weekly. The catch: most trailing floors lock at the starting balance on your first payout, so withdrawing every dollar breaches the account on the next trade. Payouts go through Rise only.

Written by XSR from the firm's own pages — not generated, not paid for.

Suits

A choice of one, two or three phases, with the fee refunded on the first payout.

Watch out for

Most trailing floors lock at the starting balance on the first payout — withdraw every dollar and the next trade can breach. Payouts go through Rise only.

Platforms4

MT4MT4
MT5MT5
DXtradeDXtrade
TradingViewTradingView

The details

Data feed / broker: FXIFY Markets / FXPIG price feed, All-In (no commission) or RAW ($6 per lot) chosen at checkout
Assets: FXMetalsIndicesEnergyStocksCrypto
Instruments: Forex plans: about 46 currency pairs, gold, silver and other metals, indices (including Hang Seng HKG50, JPN225, US500 and USTEC), WTI and Brent oil, natural gas and US stock CFDs. Crypto is not on forex plans; the crypto plans offer 80+ coins.
Leverage and limits: 1-, 2- and 3-Phase, Two Phase Pro and Lightning: forex and gold 1:30 (1:50 as a 1/2/3-Phase add-on), indices and other commodities 1:10, oil 1:5, stocks 1:2. Instant and Lite: forex 1:50, commodities 1:20, indices 1:15. Some exotics are fixed at 1:6 (1:10 on Instant). Crypto plans: BTC, ETH and SOL 1:5, others 1:2.
Commissions: Choose All-In or RAW pricing at checkout. All-In: no commission on forex, metals or indices; stock CFDs 0.35% round trip. RAW: $6 per lot round trip on forex, indices and metals; stocks 0.35%. No swap-free accounts.
Max allocation: $805KOne active account per size on 1-, 2- and 3-Phase plans: one each from $5K to $400K, $805,000 in total. Two Phase Pro is counted separately (one per size, $785,000). Only one Instant Standard and one Lightning can be traded at a time, and one Instant Lite per size. Scaling can take a $400K account to $4,000,000.
Legal entity: FXIFY Solutions Limited

FXIFY challenges and prices

Pick a program and a size. Every number is the firm's list price and rule before any code.

The standard two-step: 10% then 5%, a 4% daily limit and a 10% maximum loss that trails your highest closed balance until it reaches the starting balance. 5 minimum trading days per phase; the fee comes back with the first payout. Paid once per attempt.

Account size

Terms of this account

Two Phase Standard · $50K

$379one-time

−25% · With REWARD25

Activation fee: None
Profit target: +$5,00010%
Stage 2 target: +$2,5005%
Max loss: −$5,00010%
Daily loss limit: −$2,0004%
Min. trading days: 5
Time limit: None
Consistency (test): None
Profit split: 80%; 90% with the add-on.

Target against room to lose

Trailing · intraday

$780 of room leftPass

Loss floor: −$5,00010%
Start: $50K
Target: +$5,00010%

The loss limit trails unrealised equity tick by tick. The hardest rule in the industry — most blown accounts die here.

Illustration: a made-up path held to this account's real limits. Stage 2 target: +$2,500.

Once you are funded

Same rules as the assessment, with no cap on gains. First payout on demand, then monthly (bi-weekly with the add-on). After the first payout the maximum loss locks at the starting balance. The fee, add-ons included, is refunded with the first payout; the Performance Protect add-on (+15%) lets you withdraw existing profit even after a breach.

FXIFY rules, in plain words

Most dangerous first. Each one says what the rule is, how it is measured, and what it looks like on a real account.

3 Strict5 Watch out1 Good to know

The trailing floor, and the lock on payout
Strict
On One Phase (6%), Two Phase Standard (10%), Lightning (4%), Instant (8%), Lite (4%) and the crypto plans (6%), the maximum loss trails your highest closed balance (open profit does not move it) and stops at the starting balance. Once any payout is processed, the floor locks at the starting balance for good. Withdraw all your profit and the balance equals the floor, so the spread on your next trade breaches the account.
Example
A $100,000 One Phase starts with a $94,000 floor; at a $105,000 closed high it is $99,000. Make $8,000 and withdraw $6,000: the floor locks at $100,000 and your buffer is $2,000.
Daily loss: a percentage of the previous day's balance
Strict
The daily limit is a percentage of the balance recorded at 5 PM EST the previous day: 3% on One Phase, Lightning, Lite and crypto, 4% on Two Phase, 5% on Three Phase, 8% on Instant. Equity, floating losses included, dropping through it is a hard breach; there is no soft version.
Example
A $100,000 Two Phase closed yesterday at $102,000. Today's limit is $4,080, so equity must stay above $97,920.
Lightning: 5 trading days, 30% consistency, mandatory stops
Strict
Lightning must reach 5% within 7 calendar days (5 trading days) of your first trade or it is a hard breach. At the target no day may exceed 30% of total profit, or you fail too. Every trade needs a stop loss: the first two without one are closed automatically, the third is a hard breach (an add-on removes the rule).
Example
A $50,000 Lightning needs $2,500, at most $750 of it in one day. If one day makes $900, total profit must reach $3,000 to qualify.
Two Phase Pro: capped daily profit and first payouts
Watch out
On Two Phase Pro, reaching $4,000 profit in a day closes you out until the next day. The first two payouts are capped at 5% of the starting balance ($8,000 at $200K and $250K), and anything above is removed from the account. Each phase and each payout needs 3 profitable days, with balance and equity both 0.5% above start at 5 PM EST.
Example
A funded $100,000 Pro account makes $5,250. The first payout is capped at $5,000 and the other $250 is removed.
News: a 5-minute blackout on Instant, Lite, Lightning and crypto
Watch out
1-, 2- and 3-Phase and Two Phase Pro may trade news, though large high-leverage news bets count as banned gambling. Instant, Lite, Lightning and the crypto plans may not open or close within 5 minutes of high-impact news; profit from trades in that window is voided while losses stand, including trades set to hit take-profit inside it. On Instant, news trading is listed as a breach.
Example
NFP prints at 8:30 EST. A Lite take-profit fills at 8:33 for $300: that $300 does not count toward payouts, while a $300 stop-out in the same window would.
Consistency: Classic, Lite, Lightning and crypto
Watch out
Funded Two Phase Classic 25%, Instant Lite 20%, Lightning 30% (both stages), funded crypto 25%: your best day may not exceed that share of total profit, or you keep trading before a payout. On Classic the best day carries over after a payout. 1-, 2- and 3-Phase, Two Phase Pro and Instant Standard have no consistency rule.
Example
On a funded Classic account the best day is $1,000 of $2,500 total (40%). You need $4,000 total before a payout.
Weekends: Instant and Lite are flattened on Friday
Watch out
Instant Standard and Lite must be flat by 3:45 PM EST on Friday, 75 minutes before the close, or FXIFY closes positions at market and any breach that causes is yours. Other forex plans may hold overnight and over weekends, and crypto plans trade at weekends.
EAs, copy trading and banned strategies
Watch out
EAs are allowed on 1-, 2- and 3-Phase and Two Phase Pro only after support approves them; unapproved use can end the account without profit. Instant, Lite and Lightning ban EAs and copiers. Copying into FXIFY from an outside account needs approval with a 30-day MT5 statement showing your name. HFT, cross-account hedging, latency arbitrage, passing services and herd trading via a shared vendor EA are banned.
Inactivity: 60 days (7 on Crypto Instant)
Good to know
Sixty calendar days without placing a trade is a hard breach with no reversal. Crypto Instant accounts need a trade opened or closed every 7 days.

Trading styles

News trading
With conditions
Allowed on 1-, 2- and 3-Phase and Two Phase Pro; banned within 5 minutes of high-impact news on Instant, Lite, Lightning and crypto.
EAs / bots
With conditions
Pre-approval by support on 1-, 2- and 3-Phase and Pro; banned on Instant, Lite and Lightning.
Copy trading
With conditions
Between your own FXIFY accounts and outward is fine; copying in needs approval with a 30-day statement; banned on Instant, Lite and Lightning, and Pro may only be the master.
Hedging
With conditions
Reverse and group hedging across accounts are banned.
Holding overnight
Allowed
Holding over the weekend
With conditions
Yes on 1-, 2- and 3-Phase, Pro and Lightning; Instant and Lite are force-closed at 3:45 PM EST Friday.
Scalping
With conditions
Ordinary scalping is fine; HFT is banned.

FXIFY payouts: when, how much and how

When you can withdraw, how much, and how the money reaches you.

01 · First payout
One Phase, Two Phase Standard and Three Phase: as soon as you close a profitable funded trade. Classic: 14 days (80%) or 30 days (100%) after the first trade. Pro: 10 calendar days. Lightning: 7 days. Instant: 14 days. Lite: 5 trading days and 10 days. Crypto: 14 days.
02 · After that
After the first: monthly on 1-, 2- and 3-Phase (bi-weekly with the add-on); every 14 or 30 days on Classic; every 10 on Pro; every 14 on Lightning, Instant and crypto; every 10 on Lite. Reviewed Monday to Friday 9:00–21:00 GMT and usually processed through Rise within 3 business days.
03 · Profit split
80%, 90% with the add-on; 100% on Classic and Crypto Standard if you take monthly payouts; Pro fixed at 80%.

Minimum: $50 on every account ($50 to $750 by size on Crypto Instant).
Caps: Two Phase Pro caps the first two payouts at 5% of the starting balance ($8,000 at $200K and $250K); no other cap is published.
Payout methods: Rise
Before you can request: Pass KYC, sign the trader contract, and register and verify Rise under the same email as your FXIFY account.
No open trades and no pending payout when you request; the account turns read-only until approval.
On most trailing plans the floor locks at the starting balance after a payout, so leave a buffer.
One Phase, Two Phase Standard, Three Phase and Lightning refund the fee, add-ons included, with the first payout; Classic, Pro, Instant and Lite do not.

From Hong Kong or Taiwan

Neither region is restricted. Every payout goes through Rise, which serves Hong Kong and Taiwan and can pay on to a bank or crypto wallet; open and verify Rise under the same email as FXIFY before your first payout. The site is in English, Portuguese and Spanish only.

Can Hong Kong and Taiwan traders use FXIFY?

Read from the firm's own list. A firm that bans Hong Kong or Taiwan is not listed on XSR at all.

Hong Kong

Not restricted

Taiwan

Not restricted

The site-footer list, plus Haiti from the FAQ's list. Misstating your country can cost you the funded account and any refund. The FAQ list omits the United States, but the footer excludes US residents and MetaTrader is not offered to US clients.

Read it on the firm's site

Sources and checks

Checked against the firm's own pages on 7 Oct 2026.

Could not be confirmed on the firm's own pages

These are printed from recent third-party coverage. Confirm them with the firm before you buy.

FXIFY names David Bhidey as co-founder; it does not say who holds the CEO title.
Whether the per-program account limits (1/2/3-Phase, Pro, Instant, Lightning, crypto) combine is not stated; the $805,000 figure covers 1-, 2- and 3-Phase only.
Program pages say an extra 15% split takes you to 90%, while the FAQ and plan data say 80% upgradable to 90%; this page uses 80%/90%. MT4 is listed only for some plans such as Classic.
The Trustpilot score could not be read directly; third-party sites listed 4.3 from about 6,200 reviews in September 2026.

What we read

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XSR may earn a commission when you buy with a partner code; it never changes the order of firms. Prop-firm evaluations are simulated accounts sold as a product — most buyers do not pass, and no firm is regulated as a category. Nothing here is investment advice.

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