Fxify Prop Firm Review

Program rules and payouts checked on 27 September 2026

Program rules and payouts checked against the official FXIFY help centre on 27 September 2026. Prices, discount offers, ratings and corporate-history material retain their prior review dates. The separate futures product is outside this review.

Pricing snapshot

Every price below is the list price read directly from FXIFY’s live programme configurator on 17 September 2026, not a promo price. Two discount codes were live on that date: ONESTEP35 (35% off One Phase, expires 31 December 2026) and CHART30 (30% off all programmes except Instant Lite, expires 1 October 2026). Treat both as temporary.

What FXIFY is, and who actually runs it

FXIFY sells simulated trading accounts. You pay a one-off assessment fee, trade to a profit target inside a set of loss limits, and if you clear it you get a funded account and a share of the simulated gains. That part is ordinary. What is less ordinary is the corporate structure behind it, and FXIFY leans on it hard in its marketing under the slogan “backed by a broker”.

The footer on every page of fxify.com names two entities. The first is Prime Intermarket Group Eurasia Ltd, described as licensed in Mauritius as an Investment Dealer under licence number GB24204066, registered at 6 St Denis Street, 1/F River Court, Port Louis, Mauritius. The second is FXIFY Solutions Limited, a United Kingdom company (number 14451720) registered at 142 Central Street, Clerkenwell, London, EC1V 8AR, and described as “operating as a payment agent”.

Read that carefully, because the wording matters. The UK company is the one that takes your money; it is not a regulated broker and FXIFY does not claim it is. The Mauritius entity holds the investment dealer licence. Mauritius is a real licensing jurisdiction with a real regulator, the Financial Services Commission, but a Mauritius Investment Dealer licence is a long way from FCA, CySEC or ASIC authorisation, and it does not give you an investor compensation scheme or an ombudsman if a payout dispute goes wrong.

There is a further thread worth pulling. FXIFY’s privacy policies are not hosted on fxify.com at all. They sit on fxify.fxpig.com, a subdomain of FXPIG, an established retail broker, and they are split into separate US, UK, EU, Canada and Australia documents. FXIFY’s own marketing page names the broker as FXIFY Markets. The honest summary is that FXIFY sits inside a broader FX group rather than being a marketing shell renting liquidity from a third party, and that is a genuine structural advantage over firms with no broker anywhere in the chain. It is not, however, the same thing as the prop product itself being regulated.

One practical consequence you should check before you buy: FXIFY does not open accounts for residents of a long list of jurisdictions, and that list includes the United States, along with Russia, Belarus, Algeria, Kenya, Ghana, Venezuela, Vietnam, Cuba, Iran, Syria and roughly twenty more. If you are a US-based trader, FXIFY is not available to you. The site also notes that its MetaTrader platforms are available only to clients outside the United States.

The programmes, one by one

FXIFY runs more evaluation variants than almost any firm we review, and the variants are not cosmetic. Two accounts sold at the same price under the same programme name can carry a different drawdown type, a different split and a different refund policy. This section separates them properly.

One Phase

A single assessment with a 10% profit target, a 3% daily loss limit measured against the previous day’s closing balance at 5pm EST, and a 6% maximum trailing drawdown. The trailing mechanism is the detail that matters: the drawdown follows your closed trading balance until you are 6% up, at which point it locks at your starting balance. It also locks the moment a payout is processed, which is unusually trader-friendly and is directly connected to the on-demand payout feature described below.

Minimum 5 trading days, no maximum, split up to 90%, leverage up to 50:1, EAs allowed, weekend holds allowed, news trading allowed, and the fee is 100% refundable. List prices run from $59 for $5,000 to $2,950 for $400,000.

Two Phase: Classic, Standard and Pro

These three share a name and share almost nothing else.

Classic is a static 10% drawdown account with a 4% daily loss limit, a minimum of 4 trading days, leverage capped at 30:1, and a choice of 80% on a 14-day payout cycle or 100% on a 30-day cycle. The trade-offs are real: payout on demand is listed as No, drawdown does not lock on payout, payout frequency is 14 or 30 days, and account sizes stop at $100,000. There is no consistency rule during the assessment but a 25% consistency rule applies once funded.

Standard is the trailing version. A 10% maximum trailing drawdown, a 4% daily loss limit, 5 minimum trading days, leverage to 50:1, a 100% refund, drawdown lock on payout, sizes to $400,000, and a split of up to 90%. Prices match the One Phase ladder exactly.

Pro is the outlier and the one most traders will misread. It is static, capped at an 8% maximum loss with a 4% daily limit, requires 3 qualifying days per phase (at least 0.5% profit with closing equity also meeting that threshold), pays every 10 days, and carries a flat 80% split rather than “up to” anything. Its funded stage also has a $4,000 daily profit cap; exceeding it makes the account read-only for the rest of the day. The first two payout requests are capped at the lower of 5% of initial balance or $8,000; later requests have no such cap. Pro does not refund the fee or offer scaling. Sizes run $10,000 to $250,000, and it is the only ladder that offers $150,000 and $250,000.

Confirmed phase order: Classic is 5% then 10%; Standard is 10% then 5%; Pro is 4% then 8%. These are explicitly stated in the official comparison, not a presumed table error. Each stage has its own target; a combined total does not substitute for passing each phase. Classic and Pro have no fee rebate; Standard refunds the fee with its first payout.

Three Phase

The cheapest route in and, on the numbers, the gentlest. Three assessments at 5% each, a 5% daily loss limit and a 5% static maximum drawdown. Minimum 5 trading days, no maximum, split up to 90%, leverage to 50:1, EAs allowed, weekend holds allowed, news trading allowed, fee 100% refundable. Prices run $39 for $5,000 up to $1,599 for $400,000, which makes the $400,000 seat roughly $1,350 cheaper than the same size on One Phase.

The catch is the 5% static drawdown. Fifteen per cent of gains across three stages, with only 5% of room to lose, is a tighter risk budget than the One Phase 10/6 arrangement despite the softer per-stage targets. It rewards small, patient position sizing and punishes anyone who tries to clear a stage in two trades.

Instant Funding: Standard and Lite

No assessment. You buy a funded account and start. This is also where FXIFY’s terms tighten sharply, and the restrictions are easy to miss because they are listed as a row of “No” values rather than spelled out.

On Standard: 8% daily loss limit, 8% maximum trailing drawdown that locks at your starting balance once you are 8% up or once a payout is processed, no minimum trading days, split up to 90%, fixed FX leverage of 30:1 and gold leverage of 20:1, payouts every 14 days. But EAs are not allowed, there is no refund, you cannot hold over the weekend, and you cannot trade through news. Prices are steep: $69 for $1,000, $229 for $5,000, $449 for $10,000, $899 for $25,000 and $1,749 for $50,000.

Lite is tighter still on risk and cheaper on price: a 3% daily loss limit, a 4% maximum trailing drawdown, a 5 trading day minimum, payouts every 10 days, a $50 minimum withdrawal and a 20% best-day consistency rule for every payout. It carries the same four restrictions as Standard. Prices are $44 for $5,000, $89 for $10,000, $169 for $25,000 and $289 for $50,000. Note that Instant Lite is excluded from the CHART30 discount, so those are the prices you actually pay.

Lightning

A one-step sprint. A 5% profit target, a 3% daily loss limit, a 4% maximum trailing drawdown, a minimum of 3 trading days and a deadline of 7 calendar days, including weekends (5 trading days), from the first trade. Split up to 90%, leverage to 30:1, weekend holds allowed, fee refundable. The constraints are the point: a 30% funded consistency rule and a mandatory stop loss unless the removal add-on is purchased, with no EAs or copy trading and a five-minute restriction either side of high-impact news. Prices are $59 for $10,000, $149 for $25,000, $249 for $50,000 and $399 for $100,000.

Lightning’s first funded payout is available after 7 days, followed by 14-day cycles, with a $50 minimum. Its official help article contradicts itself: the summary applies 30% consistency to both stages, while the detailed explanation says funded only. Confirm the challenge requirement with FXIFY before trading; do not assume an exemption.

Crypto

A separate line with its own rules, covering more than 80 crypto symbols on DXtrade, with TradingView listed as coming soon. Two paths. Crypto Instant Funding at $125, $250, $525, $999 and $1,999 for $5,000 to $100,000, with an 80% bi-weekly split, a 3% daily drawdown, a 6% maximum trailing drawdown, a 25% consistency rule, a 7 day inactivity limit, minimum payouts of $50/$100/$250/$500/$750 for the $5k/$10k/$25k/$50k/$100k sizes respectively, and leverage of 5:1 on BTC, ETH and SOL and 2:1 on everything else. Crypto Standard (1 Step) at $59, $99, $249, $499 and $999 for the same sizes, with a 9% profit target, a minimum 4 days on the evaluation and 7 on the funded account, and the same drawdown pair. News trading is restricted five minutes either side of high-impact releases on both; EAs and copy trading are prohibited. Crypto Standard offers 80% with 14-day payouts or 100% with 30-day payouts, a $50 minimum, seven funded trading days and 25% consistency. Crypto Instant first pays after 14 days, allows weekend holding and has a seven-day inactivity limit.

FXIFY also operates a separate futures brand at fxifyfutures.com. It is a different product with different rules and is not covered by anything on this page.

Rules at a glance

Core rules checked on 27 September 2026 against FXIFY’s official help centre. “Locks” means the trailing drawdown stops following your balance and fixes at your starting balance once the stated profit threshold is reached or once a payout is processed.

Payouts: what “on demand” actually means here

First-payout-on-demand applies to One Phase, Two Phase Standard and Three Phase. The official help pages specify a $50 minimum. Subsequent requests follow a 30-day default cycle, or 14 days with the add-on; an eligible request is not a guarantee of immediate payment.

Classic uses its selected 14- or 30-day cycle. Pro begins 10 days after the first funded trade and requires three qualifying trading days per cycle. Instant Standard uses 14 days, Lite 10 days, and Lightning begins after 7 days then uses 14-day cycles. Program consistency requirements still apply.

Withdrawal buffer: when a trailing account’s loss floor locks at starting balance on payout, withdrawing all profit can leave zero room for another losing trade or trading costs. The lock does not make an early withdrawal safer. Static programs keep their fixed loss floor, but withdrawals still reduce the remaining cushion.

Scaling: the help centre publishes a plan for One Phase, Two Phase Standard, Classic and Three Phase: first qualify with 10% return over three months, including two profitable months. The first increase is 25%; the illustrated later quarterly stages double the allocation, capped at ten times the initial size. Pro and Instant Standard do not offer this plan. See the Standard program rules.

Platforms, instruments and checkout add-ons

FXIFY runs on MetaTrader 4, MetaTrader 5, DXtrade, TradingView, Tradovate, NinjaTrader. The site refers to MetaTrader 4 and 5 as “Trading Platform 4” and “Trading Platform 5”, a white-labelling convention several prop firms now use, and notes that these are available only to clients outside the United States. An MT4 download page is still live, but MT4 no longer appears in the current platform line-up on the homepage, so treat MT5, DXtrade and TradingView as the real choices.

Instrument coverage is broad for a prop firm: more than 150 symbols across forex, gold, indices, oil, other commodities, stocks and crypto, with more than 80 crypto symbols on the dedicated crypto line. The published leverage schedule on standard accounts is 30:1 on FX and gold, 10:1 on indices, 10:1 on other commodities, 5:1 on oil and 2:1 on stocks, which is a sensible ladder rather than a single headline number. EA use on One, Two and Three Phase requires prior approval and is prohibited on DXtrade. Copy trading needs prior approval on One, Standard, Classic and Three Phase, and is prohibited on Pro, Instant, Lightning and crypto. Pricing-feed choices depend on program.

At checkout FXIFY sells three add-ons: increased leverage, an extra performance split that takes you to 90%, and bi-weekly payouts. Be aware of a small inconsistency in how that split add-on is described: the programme pages call it “Extra 15% Performance Split” and the How It Works page calls it “Extra 10% Performance Split”, though both say the result is 90%. Check the figure on the checkout screen before you pay for it.

Where the numbers do not line up

This is the part of the review we would want to read if we were buying, so we are putting it in plainly rather than burying it.

FXIFY publishes a live payout transparency page at fxify.com/payouts, with filters for period and account size and a table of individual payouts. On 17 September 2026 we loaded it repeatedly, waited for the data to populate, and changed the period filter. It returned $0.00 total payouts to date, 0 payouts, $0.00 highest payout and page 1 of 0. We are not claiming FXIFY has paid nobody. The far likelier explanation is a broken feed on a page nobody has checked. But a transparency dashboard that shows zero is worse than no dashboard, and it is the one page on the site a sceptical trader would go to first.

The self-reported figures elsewhere on the site also disagree with each other. The Backed by a Broker page claims 250,000+ active traders and $40M+ in payouts. The Fast Payouts page, which is one click away, claims 150,000+ traders, 6,000+ traders paid out, 12,500+ payouts and $30M+ paid, with a single largest payout of $117,000. Those are not different metrics measured differently, they are the same two metrics with different numbers. Neither is audited. Treat all of them as marketing and none of them as evidence.

The official program articles confirm the phase-target order shown above. The unresolved rule discrepancy in this pass is Lightning’s challenge-stage consistency requirement.

Reputation and reviews

FXIFY’s Trustpilot profile (claimed since April 2023, on a paid Trustpilot subscription) stood at 4.3 out of 5 from 6,245 reviews on 17 September 2026. The distribution is the interesting part: 78% five star, 7% four star, 2% three star, under 1% two star and 12% one star.

That shape, a large positive mass with a hard 12% floor of one-star reviews and almost nothing in between, is typical of the prop sector and tells you something useful. It is not a firm most customers are lukewarm about. It is a firm most customers are delighted with and a meaningful minority are angry with, and in this industry the anger almost always concentrates around breached accounts and payout disputes rather than day-to-day service. FXIFY replies to 97% of negative reviews and typically within 24 hours, which is better engagement than most of its peers manage.

Read the one-star reviews before you buy, not the five-star ones. The five-star reviews will tell you the payout was fast. You already know that. The one-star reviews are where you find out what happens when a rule is disputed.

Who it suits, and who should look elsewhere

It suits you if you want cash out of the account early rather than a large paper balance. One Phase, Standard and Three Phase offer a first on-demand request subject to eligibility and the $50 minimum. A payout can reduce the remaining drawdown cushion, so withdrawal size matters. It also suits traders who want to choose their own risk shape: static or trailing, tight target or tight drawdown, three cheap stages or one expensive one. Most firms give you one arrangement and tell you to like it.

It suits you if you trade a broad book. More than 150 symbols across FX, metals, energy, indices, stocks and crypto, with a tiered leverage schedule rather than one blunt number, is a better fit for multi-asset traders than the FX-and-gold-only firms.

Look elsewhere if you are a US resident. FXIFY does not open accounts for you.

Look elsewhere if you run algorithms and were drawn to Instant Funding. EAs are blocked there, as are weekend holds and news trading, and the fee is non-refundable. One, Two and Three Phase allow EAs only with prior approval and outside DXtrade.

Look elsewhere if you need regulatory recourse. A Mauritius Investment Dealer licence held by a related entity is more than most prop firms can show and less than a regulated brokerage relationship. If a payout is refused, your remedy is FXIFY’s support process, not a regulator.

Be careful if you are buying Two Phase on price alone. Classic, Standard and Pro cost roughly the same at several sizes and behave completely differently. Decide on drawdown type and split first, then look at the price.

Our verdict

FXIFY is one of the better-constructed prop offerings available, and the payout mechanics are the reason. Eligible programs permit an early first request, but subsequent cycles, minimums, consistency tests and the remaining drawdown buffer need to be considered together. The programme range is genuinely useful rather than a menu built to look large, and the broker-group backing is real, even if it is not the regulatory shield the marketing implies.

What holds it back is credibility housekeeping. An empty public payouts dashboard, two pages that disagree about how many traders and dollars are involved, and an add-on described as 15% in one place and 10% in another. None of those is a scandal. Together they are the difference between a firm you trust on its own numbers and a firm whose numbers you have to go and check, which is what we had to do to write this page.

Buy the evaluation programmes, not the instant ones, unless you specifically need same-day capital and can live without EAs, weekends and news. Start at Three Phase if you are new and want the cheapest honest look at the rules, and One Phase if you are confident and want the shortest path to that first payout.

Frequently Asked Questions

Is FXIFY regulated?

Partly, and the detail matters. The trading entity, Prime Intermarket Group Eurasia Ltd, is licensed in Mauritius as an Investment Dealer under licence number GB24204066. The entity that takes payment, FXIFY Solutions Limited, is a UK company (number 14451720) described as a payment agent, not a regulated broker. A Mauritius Investment Dealer licence is a genuine licence but it is not FCA, CySEC or ASIC authorisation and it does not give you a compensation scheme or an ombudsman.

Can traders in the United States use FXIFY?

No. The United States appears on FXIFY’s published list of restricted jurisdictions, alongside Russia, Belarus, Algeria, Kenya, Ghana, Venezuela, Vietnam and around twenty others. FXIFY also states that its MetaTrader platforms are available only to clients outside the United States.

How fast is the first payout, really?

One Phase, Two Phase Standard and Three Phase offer the first request on demand after a profitable funded trade, subject to eligibility and a $50 minimum. Later cycles are 30 days by default or 14 with the add-on. Classic uses 14 or 30 days; Pro and Lite use 10 days; Instant Standard uses 14. Lightning begins after 7 days, then every 14.

Which FXIFY programme is cheapest?

Three Phase. List prices start at $39 for a $5,000 account and run to $1,599 for $400,000, which is about $1,350 less than the same size on One Phase. The trade-off is a 5% static maximum drawdown across three stages, which is a tighter risk budget than One Phase gives you.

What is the difference between Two Phase Classic, Standard and Pro?

Classic has 5% then 10% targets, 10% static drawdown and 25% funded consistency. Standard has 10% then 5% targets and 10% trailing drawdown. Pro has 4% then 8% targets, 8% static drawdown, three qualifying days per phase and an 80% split. Its first two payouts are capped at the lower of 5% of initial balance or $8,000.

Are EAs and algorithmic trading allowed?

One, Two and Three Phase allow EAs with prior approval, but not on DXtrade. EAs are prohibited on Instant, Lightning and crypto accounts. Copy trading requires prior approval on One, Standard, Classic and Three Phase; it is prohibited on Pro, Instant, Lightning and crypto.

Is the FXIFY fee refundable?

One Phase, Two Phase Standard, Three Phase and Lightning return the evaluation fee with the first payout under their program terms. Classic and Pro do not offer a fee rebate, and Instant Standard/Lite fees are non-refundable. A passing-fee rebate is distinct from any cancellation rights.

What is FXIFY’s Trustpilot rating?

4.3 out of 5 from 6,245 reviews as of 17 September 2026, on a claimed profile with a paid Trustpilot subscription. The breakdown is 78% five star, 7% four star, 2% three star, under 1% two star and 12% one star. FXIFY replies to 97% of negative reviews, usually within 24 hours.

How large can an FXIFY account get?

Initial accounts reach $400,000 on One Phase, Standard and Three Phase; $250,000 on Pro; $100,000 on Classic and Lightning. Instant Standard lists sizes up to $100,000. Eligible evaluation programs publish scaling up to ten times initial size, subject to performance conditions. Pro and Instant Standard do not offer scaling.

Does Instant Funding Lite have a consistency rule?

Yes. The largest profit day must not exceed 20% of total profit at the payout request. Lite also requires five trading days, a 10-day payout cycle and a $50 minimum. Missing the consistency percentage delays eligibility; it does not itself breach the account.