Pip Farm - Prop Firm Review

Company and regulation

Pip Farm is reported to be operated by ECI Ventures Pte. Ltd. in Singapore (founded 2023; not confirmed on its own pages). It is unregulated, and its accounts are simulated. Its own help centre says so plainly: it runs “entirely on the cTrader platform, using institutional-grade market data for a realistic simulated trading environment,” and refers throughout to a “simulated funded account.” No real client capital is traded. Trading is on cTrader only (no MT4/MT5), covering forex, metals, indices, crypto and energies, with leverage up to 1:30.

The rule that defines it: layered payout caps

Pip Farm’s defining feature is how deliberately it meters withdrawals, and it’s the single most important thing to understand before buying. Every payout is throttled by two stacked caps, and you get whichever is lower. The first is a percentage-of-balance cap that starts low and grows with payout count: on challenge accounts it’s 6% of balance on payout one, 8% on two, 10% on three, and 12% from the fourth onward (instant accounts are half that). The second is a flat $5,000 hard cap on any single payout, for everyone, regardless of account size — so even a $300k trader who earned $9,000 can only withdraw $5,000 at a time.

On top of both, you can only request one payout every seven days per person, even across multiple accounts. None of this loses your money — excess profit stays in the account for future payouts — but it does mean Pip Farm pays you out in small, slow increments rather than in lump sums. For a steady trader that’s a manageable trade-off; for anyone hoping to withdraw a large balance quickly, it’s a genuine limitation you should price in.

Products, split and drawdown

Pip Farm offers a 1-stage (12% target, 9% trailing drawdown), a 2-stage (9% then 6% targets, 9% static drawdown) and instant funding (no evaluation, 6% trailing equity drawdown), and each challenge has a mode — Classic, Endurance or Consistency — that adjusts the minimum reward threshold. Account sizes run $2.5k to $300k, scaling toward ~$1.5m.

The split is earned through an XP “Experience Program”: you start at 70% (rank 0) and climb through 75, 80, 85, 90, 95% to 99% at rank 6 — genuinely earned, not a paid upgrade. Drawdown: a 3% daily loss limit on the prior day’s close, and a 9% maximum that trails on the 1-stage but is static on the 2-stage. Payouts have a $50 minimum (Skrill or USDT/USDC), are manually reviewed, and default to a 30-day interval — note that weekly (+30%) and bi-weekly (+15%) payouts are paid add-ons, as is “first payout on demand.” Fees are one-time per challenge.

Contradictions to be aware of

• Split: marketing highlights “up to 90–99%,” but the base is 70% and you only reach the top with maximum XP rank.
• Payout speed: “weekly payouts” are presented as a feature, but the default is 30 days — weekly costs +30%.
• “Flexible / no time limit” vs mode-specific minimum profitable-day and consistency-score conditions to get funded and to withdraw.

Rules and fees at a glance

• Signature: stacked payout caps — lower of a 6–12% balance cap or a flat $5,000; one payout per 7 days.
• Split: 70% base, up to 99% via XP rank (earned).
• Drawdown: 3% daily; 9% max (trailing on 1-stage, static on 2-stage); instant 6% trailing.
• Payouts: $50 minimum, default 30 days; weekly/bi-weekly are paid add-ons.
• Platform: cTrader only; forex, metals, indices, crypto, energies.
• Cost: one-time challenge fee; no monthly subscription.

Verdict

Pip Farm is a solid, actively-operating simulated firm with some genuinely fair touches: an earned split that climbs to 99% with no paid shortcut, a clean cTrader-only setup, low entry fees and a reasonable ~4.0 Trustpilot. For a disciplined trader who likes cTrader, it’s a legitimate option.

The thing to go in clear-eyed about is how you get paid. The accounts are simulated; the headline “up to 99%” split starts at 70%; faster payouts are paid add-ons over a 30-day default; and, most importantly, the stacked payout caps (the lower of ~6–12% of balance or a flat $5,000, one every seven days) meter your withdrawals out slowly. You don’t lose the excess, but you can’t pull a large balance quickly. If steady, incremental payouts suit you, Pip Farm is a fair pick; if you need fast access to big withdrawals, weigh the caps carefully first.

Frequently Asked Questions

Is Pip Farm regulated, and is the capital real?

Pip Farm is unregulated, and its accounts are simulated. Its own help centre states it runs entirely on cTrader using institutional-grade market data for a realistic simulated trading environment, and refers throughout to a simulated funded account. It is reported to be operated by ECI Ventures in Singapore, though that is not confirmed on its own pages. No real client capital is traded.

What are the Pip Farm payout caps?

Every payout is limited to whichever is lower of two caps: a percentage-of-balance cap that grows with payout count (6 percent on payout one, 8, 10, then 12 percent from the fourth on for challenge accounts, half that for instant), and a flat $5,000 hard cap on any single payout regardless of account size. You can also only request one payout every 7 days. Excess profit stays in the account for future payouts.

What is the Pip Farm profit split?

The split is earned through an XP Experience Program rather than bought. You start at 70 percent at rank 0 and climb through 75, 80, 85, 90 and 95 percent to 99 percent at rank 6. Marketing highlights the up-to-99 percent figure, but most traders begin at 70 percent and reach the top only with maximum XP rank.

What are the Pip Farm drawdown rules?

There is a 3 percent daily loss limit calculated on the prior day end-of-day balance, and a 9 percent maximum drawdown that trails on the 1-stage challenge but is static on the 2-stage. Instant-funding accounts use a 6 percent trailing equity drawdown that resets after each payout, with a 2 percent maximum open risk as a soft breach.

How fast are Pip Farm payouts?

Payouts have a $50 minimum, are manually reviewed within a few business days, and default to a 30-day interval. Faster payouts are paid add-ons: bi-weekly costs an extra 15 percent of the challenge price and weekly an extra 30 percent, and first payout on demand is a separate add-on. Methods include Skrill and USDT or USDC.

What products and platform does Pip Farm offer?

Pip Farm offers a 1-stage challenge, a 2-stage challenge and instant funding, each in Classic, Endurance or Consistency modes, with account sizes from $2.5k to $300k scaling toward around $1.5m. Trading is on cTrader only, covering forex, metals, indices, crypto and energies, with leverage up to 1:30. Fees are one-time per challenge with no monthly subscription.

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