We gave Instant Funding a 58/100 score because it’s an independent prop trading firm suited for those looking for instant funding choices with no evaluation at all. While they have transparent rules and a number of challenges with addons, their spreads are not disclosed and they have a reputation for not honoring their guidelines.
Instant Funding Summary
Our testing of Instant Funding rounds up a 58/100 score because of the prop firm’s main focus on instant trading accounts, but it has no broker backing, and some red flags regarding pricing transparency.
Founded in 2020, Instant Funding is a proprietary trading firm that offers funded trading through a range of pathways from no evaluation process at all, to instant funding accounts.
While there are only a few challenge types, they do include addons for loosening the rules and conditions, and multiple risk mitigation features. It also has scaling across multiple accounts with easily reachable rules and conditions.
However, strict rule enforcement like the ‘Best Day’ rule, minimal disclosure around liquidity providers, payout delays, and One-Star TrustPilot reviews due to unexplained account terminations reduce its overall score down to the lower end.
The prop firm offers three types of instant funding accounts, and four evaluation based challenges, each of which range from $44 and up to $5,190, and can be set to be commission-free or with raw spreads, with 60-80-90% profit share.
The main challenge and funding models all have different upfront, one-time fees that depend on the account sizes and customizable addons and conditions including increasing profit share, allowing news trading, and lowering profit target, among others.
The challenges and funding models also have specific consistency requirements with the 15-40% ‘Best Day’ rule which states that you cannot exceed 15% of your total profit.
| Feature | Instant Funding (Smart DD) | IF Micro | IF1 | One Step Challenge | One Step Micro | Two Step Challenge | Two Step Max |
|---|---|---|---|---|---|---|---|
| Upfront Fees | $44 - $5,499 | $42 - $1,659 | $25 - $939 | $49 - $1,199 | $39 - $399 | $39 - $999 | $39 - 899 |
| Account Size | $625 - $120,000 | $5,000 - $300,000 | $2,000 - $200,000 | $5,000 - $200,000 | $10,000 - $200,000 | $5,000 - $200,000 | $5,000 - $200,000 |
| Evaluation Process | None | None | Conditional | One step | One step | Two steps | Two steps |
| Drawdown Type | Trailing (Smart Drawdown) | Static (Smart Drawdown) | Static (Smart Drawdown) | Static | Static | Static | Static |
| Daily Drawdown | 10% | 4% | 2% | 3% | 4% | 5% | 4% |
| Max Drawdown | 10% | 6% | 4% | 8% | 6% | 10% | 10% |
| Min Trading Days | None | None | None, account closes after 24 hours | 3 days (0 with addon) | 3 days | 3 days (0 with addon) | 3 days |
| Profit Share | 80% (90% with addon) | 80% (90% with addon) | 80% (90% with addon) | 80% (90% with addon) | 80% (90% with addon) | 80% (90% with addon) | 60% - 80% - 95% |
| Weekend Holding | Only with addon | Allowed | Allowed, but 24-hour rule applies | Only with addon | Allowed | Only with addon | Allowed, but swap fees apply |
The Instant Funding account is the flagship program that provides immediate access to a funded account from $625 up to $120,000 without evaluation, no minimum trading days, an 80-90% profit share, and one-off fee ranging from $44 and onward.
This model also has a hybrid ‘Smart Drawdown’ method in which your maximum loss limit is 10% of the initial balance. Once your account reaches a 5% profit, the drawdown locks at -5% of the starting balance (meaning you can only lose 5% of the initial balance from that point forward). Your account is subject to a 4% daily drawdown limit, calculated against the previous day’s ending balance.
The first payout is available 14 days after your first trade, and then all subsequent payouts are available 7 days following your next trade after that last withdrawal. However, news trading and weekend holding are allowed only via addon, and you cannot risk more than 3% of your starting account balance for single trading instruments.
| Account Size | One Off Fee | Profit Target | Max Drawdown (10% Start) |
|---|---|---|---|
| $625 | $44 | $31.25 | $62.5 ($31.25 once you make 5% profit) |
| $1,250 | $84 | $62.5 | $125 ($62.5 once you make 5% profit) |
| $2,500 | $129 | $125 | $250 ($125 once you make 5% profit) |
| $5,000 | $239 | $250 | $500 ($250 once you make 5% profit) |
| $10,000 | $459 | $500 | $1,000 ($500 once you make 5% profit) |
| $20,000 | $899 | $1,000 | $2,000 ($1,000 once you make 5% profit) |
| $40,000 | $1,849 | $2,000 | $4,000 ($2,000 once you make 5% profit) |
| $80,000 | $3,699 | $4,000 | $8,000 ($4,000 once you make 5% profit) |
| $120,000 | $5,499 | $6,000 | $12,000 ($6,000 once you make 5% profit) |
Contrary to the name, the Instant Funding Micro accounts are bigger versions of the main instant funding model with $5,000 up to $300,000, no minimum or maximum trading days, a 4% daily drawdown, and 6% static drawdown of your starting balance.
For payouts, you can request them on-demand as soon as your net profit reaches 5% of starting balance, but there’s a ‘Best Trading Day’ rule that applies in which you must not exceed 15% of total profit. There’s a 25% account size scaling if you consistently hit your target profits with 10% and keep the account open for 90 days.
However, high-frequency trading is not allowed, but you have an addon for +10% profit split, and weekend holding/news trading is allowed.
| Account Size | One Off Fee | Max Daily Drawdown (4%) | Max Drawdown (6% Static) |
|---|---|---|---|
| $5,000 | $42 | $25 | $37.5 |
| $10,000 | $79 | $50 | $75 |
| $25,000 | $169 | $100 | $150 |
| $50,000 | $319 | $200 | $300 |
| $100,000 | $589 | $400 | $600 |
| $200,000 | $1,199 | $800 | $1,200 |
| $300,000 | $1,659 | $1,600 | $2,400 |
IF just rolled out the new account ‘IF1’ which is a unique, non-scaling, high-risk high-reward instant funding model designed for short term trading with a strict 24-hour time limit from the first trade. You also get a 90% profit split, a very tight 4% maximum drawdown, a 2% daily loss, and account sizes between $2K and $200K.
One of the major features of the account is you’re limited to one open trade at a time and there are no addons for customisation.
News trading and weekend holding are allowed, but position may close if the market shuts before your 24-hour account period ends. Yet this doesn’t apply to crypto trading as markets stay open 24/7, so your positions with this asset class will remain open.
Net profit is calculated from at least 3% of your starting balance, and you can request payout once the 24-hour account period is over, but ‘Best Day’ rule still applies and you must not exceed 15% of the total profit.
| Account Size | One Off Fee | Profit Target (3%) | Max Daily Drawdown (2%) | Max Drawdown (4% Static) |
|---|---|---|---|---|
| $2,000 | $25 | $60 | $40 | $80 |
| $5,000 | $38 | $150 | $100 | $200 |
| $10,000 | $63 | $300 | $200 | $400 |
| $20,000 | $119 | $600 | $400 | $800 |
| $50,000 | $289 | $1,500 | $1,000 | $2,000 |
| $100,000 | $484 | $3,000 | $2,000 | $4,000 |
| $200,000 | $939 | $6,000 | $4,000 | $8,000 |
The One Step Challenge is a single step evaluation account with $5,000 to $200,000 account sizes, and a 10% profit target from the starting balance that allows you to trade at your own pace.
For the drawdown rules, it has a 3% daily loss, 8% static drawdown, no time limit, but the ‘Best Trading Day’ rule still applies, so you must not exceed 40% of your total profit, or risk more than 50% of your daily drawdown.
Once you pass the challenge and the account is funded, you’re eligible for on-demand payouts if you achieve at least 1.5% net profit. The funded account can also scale by 25%, up to 100% of its original size through profit targets.
This challenge includes addons that allow news trading and weekend holding, a +10% profit split, remove minimum trading days, and 2% drawdown increase, and this is the only account with the addon that can lower your profit target by 2%.
| Account Size | One Off Fee | Profit Target (10%) | Max Daily Drawdown (3%) | Max Drawdown (Static 8%) |
|---|---|---|---|---|
| $5,000 | $49 | $500 | $150 | $400 |
| $10,000 | $94 | $1,000 | $300 | $800 |
| $25,000 | $199 | $2,500 | $750 | $2,000 |
| $50,000 | $329 | $5,000 | $1,500 | $4,000 |
| $100,000 | $599 | $10,000 | $3,000 | $8,000 |
| $200,000 | $1,199 | $20,000 | $6,000 | $16,000 |
The One Step Micro Challenge variant has a simpler 8% profit target to reach funded status, but you’ll have to have a minimum of 3 separate trading days before passing.
Accounts are available from $5,000 up to $200,000, with tighter risk limits than the standard one step challenge with a strict 4% daily loss limit, and a 6% static drawdown. You cannot risk more than 50% of the daily drawdown in any single trade.
Once the account is funded, you’re eligible payouts if you achieve a 1.5% net profit, but only if ‘Best Trading Day’ doesn’t exceed a very tight 15% total profit consistency rule.
Addons include 10% to your profit split, and news trading and overnight holding is enabled by default. High-frequency trading and grid trading is not allowed.
| Account Size | One Off Fee | Profit Target (10%) | Max Daily Drawdown (4%) | Max Drawdown (6% Static) |
|---|---|---|---|---|
| $10,000 | $39 | $1,000 | $400 | $600 |
| $25,000 | $64 | $2,500 | $1,000 | $1,500 |
| $50,000 | $114 | $5,000 | $2,000 | $3,000 |
| $100,000 | $219 | $10,000 | $4,000 | $6,000 |
| $200,000 | $399 | $20,000 | $8,000 | $12,000 |
The Two Step Challenge is a standard two step evaluation model offered in account sizes ranging from $5,000 up to $200,000, account size scaling, 5% Daily Loss and 10% Static Maximum Drawdown. Once funded, you’re eligible for payouts after achieving 1.5% net profit, with the strict rule to a 40% consistency rule on the best trading day.
To pass, you must achieve an 8% profit in Step 1 and a subsequent 5% profit in Step 2 with a minimum of three trading days. But, the strict rule still stands that you cannot risk more than 50% of the daily drawdown in a single trade idea.
This program has excellent flexibility with its addons for news trading and weekend holding, and there is no maximum time limit to complete the steps. Prohibited strategies still include high-frequency trading and grid trading.
| Account Size | One Off Fee | Profit Target (8% P1 / 5% P2) | Max Daily Drawdown (5%) | Max Drawdown (10% Static) |
|---|---|---|---|---|
| $5,000 | $39 | $800 / $500 | $500 | $1,000 |
| $10,000 | $63 | $2,000 / $1,250 | $1,250 | $2,500 |
| $25,000 | $149 | $4,000 / $2,500 | $2,500 | $5,000 |
| $50,000 | $254 | $8,000 / $5,000 | $5,000 | $10,000 |
| $100,000 | $439 | $16,000 / $10,000 | $10,000 | $20,000 |
| $200,000 | $999 | $800 / $500 | 5% | 10% |
The Two Step Max Challenge is an advanced two step evaluation ranging from $5,000 up to $200,000, and profit targets set at 8% for Step 1 and 4% in Step 2, with a minimum of three trading days, and no maximum time limit.
Scaling is the same for the standard two step, but this program features a tighter 4% daily loss, and a 10% for static drawdown. Strict rules prohibit high-frequency trading, grid trading, and any risk exceeding 50% of the daily drawdown in a single trade idea.
A big difference in this program is the graduated profit share on the funded account, which encourages you to wait longer between withdrawals for a higher reward. You receive 60% for payouts requested between 5 and 13 days, 80% between 14 and 27 days, and the maximum 95% profit split for withdrawals requested after 28 days. Every time you withdraw, the payout resets the timer.
No addons, but news trading and weekend holding is available but once your account is funded, news trading is restricted.
| Account Size | One Off Fee | Profit Target (8% P1 / 4% P2) | Max Daily Drawdown (4%) | Max Drawdown (10% Static) |
|---|---|---|---|---|
| $5,000 | $39 | $400 / $200 | $200 | $500 |
| $10,000 | $49 | $800 / $400 | $400 | $1,000 |
| $25,000 | $104 | $2,000 / $1,000 | $1,000 | $2,500 |
| $50,000 | $214 | $4,000 / $2,000 | $2,000 | $5,000 |
| $100,000 | $419 | $8,000 / $4,000 | $4,000 | $10,000 |
| $200,000 | $899 | $400 / $200 | $200 | $500 |
You can customize your prop account with a range of add-ons, such as higher profit splits, or rule changes, where news and weekend trading are allowed, there’s no minimum trading days, and targets and drawdowns are more relaxed.
| Add-On | Instant Funding | Instant Funding Micro | IF1 | One step | One step Micro | Two step | Two step Max |
|---|---|---|---|---|---|---|---|
| News Trading and Weekend Holding | ✔ | ✖ | ✖ | ✔ | ✔ | ✔ | ✖ |
| Profit Split Boost | ✔ | ✔ | ✖ | ✔ | ✔ | ✔ | ✖ |
| Lower Profit Target | ✖ | ✖ | ✖ | ✔ | ✖ | ✖ | ✖ |
| Remove Minimum Trading Days | ✖ | ✖ | ✖ | ✔ | ✔ | ✔ | ✖ |
| Max Drawdown Increase | ✖ | ✖ | ✖ | ✔ | ✔ | ✔ | ✖ |
Instant Funding provides scaling plans across all models with a maximum scaling set at $1,280,000, but the mechanics differ between smart drawdown and static drawdown accounts.
For instant funding accounts (with smart drawdown), your balances double after a 10% profit, with drawdown resetting and locking at 5% of the new balance.
For One Step and Two Step challenge accounts (with static drawdown), scaling occurs every 90 days after achieving a cumulative 10% profit, increasing the starting balance by 25% each time. Once funded, these two accounts also offer a profit split scaling where if you reach 10% gain and the 90-day activity requirement, you can permanently increase your profit split up to 90%.
Any rule breach can reset your account and the scaling progress.
Instant Funding has a loyalty structure called ‘Instant Funding Plus’ which awards you PlusPoints for activity and referrals, and you can save more via rewards and bonuses.
Triggering this premium condition is automatic with your first placed order, after which you receive an email from IF directly, with instructions on how to install your IF Plus loyalty card.
To earn rewards, you earn PlusPoints at a rate of 1 point per $1 spent, and it equates to a 10% cashback rate on the purchase price (after discounts!). The points are added 15 days after purchase, but they do not expire. You need a minimum balance of $40 to redeem the savings. The points can be converted in increments of 20 and transformed into a promo code for discounts up to 50%.
If it’s your birthday, you can also earn extra points by participating in various special promotional and social media activities on the firm’s channels.
The IF Plus loyalty program is separate from your account growth because scaling is strictly rule-based and not tied to IF Plus.
Instant Funding allows discretionary trading, swing trading, and algorithmic trading under specific conditions and turned on addons, while strictly prohibiting abusive or exploitative strategies.
The challenge segment scored 6/10 due to their moderately decent fees, but the need for an add-on to lower the 10% drawdown to an 8% loss the prop firm points here. For most, the profit targets are at an acceptable range.
A major perk of Instant Funding is you can choose between commission free trading, or raw spreads plus a commission fee. For raw spread accounts, commission fees vary between asset classes, benign $5 per lot for forex and metals, $2 per lot for Commodities and USD-based Indices, and $1 per lot for Crypto.
| Asset Class | Spread Type | Commission |
|---|---|---|
| Forex Currencies | Standard and Raw | $5 per lot |
| Metals | Raw | $5 per lot |
| Indices | Raw | $2 per lot for USD-based indices, but varies at other indices |
| Commodities | Raw | $2 per lot |
| Crypto | Raw | $1 per lot |
IF states that they conduct the real-time market data in their own virtual environment that mirrors real-time markets with their price movement, spreads, and market depth.
Instant Funding does not publish a detailed public breakdown of their spreads from a live market, so this is not for you if you’re looking for pre-purchasing an account you cannot evaluate the exact trading costs.
We give this segment a 3/10. Instant Funding’s fee structure is simple, with no recurring subscriptions mentioned. However, their non-disclosed execution model and spread structure are red flags that definitely reduce pre-purchase transparency, despite stating they mirror real-market conditions.
Instant Funding supports 51 different financial instruments across five major asset classes including forex, metals, indices, commodities, and cryptocurrencies.
| Asset Class | Instruments Available | Max Leverage | Notes and Lot Size |
|---|---|---|---|
| Forex | 31 pairs (14 majors, 15 minors, 2 exotics) | 1:100 | Standard FX contract sizing is 1 lot for 100,000 units. Max lot caps by account size like 40 lots on a $100k challenge. |
| Metals | 2 (XAUUSD, XAGUSD) | 1:20 | Standard contracts are: 1 lot for 100 oz gold, 5,000 oz silver. |
| Indices | 7 (ASX200, SPX500, US30, US100, GER40, UK100, JPN225) | 1:20 | JPN225 is 1 lot for 100 units; others are 1 lot for 1 index contract. |
| Commodities | 2 (WTI, Brent Crude Oil) | 1:20 | Standard commodity contracts. |
| Crypto | 9 (BTC, ETH, LTC, SOL, DOGE, BCH, XRP, DOT, ADA) | 1:2 | 1 lot is 1 cryptocoin |
The prop firm offers some of the highest leverage available in prop trading, especially for forex pairs which is 100:1, significantly larger than the usual 30:1. For other asset classes, its maximum leverage of 1:20 for metals, indices, commodities, and 1:2 for cryptocurrency.
A quirk is that leverage is capped lower if you select the news trading addon where available, and this temporarily reduces leverage to 1:30 for Forex, 1:8 for Metals and Commodities, 1:10 for Indices, and 1:1 for Crypto.
At Instant Funding, contract sizing and risk controls state that each lot size is standard, and it’s 100,000 units for FX, standard sizes for metals, specific sizes for index trades, and 1 coin per contract for crypto.
Exceeding the allowable lot size is not allowed. If you trade more than 40 lots total for FX on a $100,000 Challenge account, it’s considered overleveraging and they may terminate your account.
Instant Funding uses these standard contract sizing rules per asset class, but enforces strict limits based on account size to prevent overleveraging.
Instant Funding scores a 7/10 for their decent size market and leverage that goes up to 1:100. They have access to standard forex, indices, and crypto assets, but options, ETFs, stocks, bonds, and futures are not offered by the prop firm.
Instant Funding supports Match-Trader, MetaTrader 5, and cTrader on all accounts and challenges with market access and tools without any surcharges for using platforms.
The platforms include automation support, depth-of-market tools, and execution features, and switching platforms is allowed, but only if you contact the IF support and pay a $20 fee.
Automation is supported on MT5 and cTrader under private EA rules, while U.S. traders are limited to Match-Trader.
| Platform | Instruments | Automation | Region |
|---|---|---|---|
| Match-Trader | CFDs | Limited | Global |
| MT5 | CFDs | Yes | Non-US |
| cTrader | CFDs | Yes | Non-US |
Match-Trader is a clean interface platform with essential trading tools, and is one of the two platforms available to U.S. traders, but is also offered globally.
The platform will suit you if you want simplicity, and a moderate depth-of-market visibility, but EA usage is restricted, and it lacks advanced analytics compared to cTrader.
Any automated strategies on Match-Trader must be private and non-exploitative, and public EAs, latency arbitrage, tick scalping, and high-frequency trading are forbidden. Trades must generally exceed 60 seconds in duration.
MetaTrader 5 is a gold standard in platforms, and supports custom indicators and Expert Advisors. It will suit you if you rely on custom tools or manual-plus-EA workflows, but its depth-of-market features are limited.
Similarly to Match-Trader, EAs are allowed if they are private and not commercially distributed, and HFT, grid trading, or exploitative order behavior are not allowed. Copy trading is allowed only between your own accounts.
cTrader is the second available platform for the US, and it’s arguably the most advanced one that offers charting and DOM tools among Instant Funding’s platforms.
Automation on cTrader is permitted through cBots, but the same restrictions apply regarding public bots, HFT, grid trading, and latency exploitation.
This platform will suit you if you rely on fast execution feedback, advanced order handling, or just want better market visibility.
We scored Instant Funding’s platforms 8/10, thanks to them offering three popular platforms across all challenges and accounts. I didn’t run into any major problems when testing the charting, automation, and risk management tools on cTrader and Match-Trader, aside from the occasional lags.
Instant Funding’s payout processing vastly differs across challenges with most of their account types being weekly, bi-weekly, and on-demand with a minimum withdrawal amount of $25 for the challenges.
Payment is processed in 48 business hours, and you can pay in USD, EUR, and GBP currencies, with multiple payment methods including Visa, Mastercard, and American Express.
KYC is required at the payout stage, and there are no recurring fees beyond the initial account purchase except the 25$ for the One and Two Step challenges.
You can also pay online via Google Pay, Skrill Rapid Transfer, Skrill Wallet, Sofort, and Neteller.
IF processes withdrawal methods through RISE, as well as direct crypto withdrawals in USDC (ERC-20), with crypto generally being faster and requiring less KYC. The crypto payouts are tracked directly on-chain via explorers like Tronscan, Arbiscan, and Etherscan.
IF may charge a SWIFT processing fee for the outgoing and return transactions if you insert incorrect banking details, so please make sure to verify your info first.
We give Instant Funding a 8/10 because the payout rules vastly differ by account type as some are On-Demand, weekly, or bi-weekly, but all of them can be topped up to 90% profit share via addon. While there’s a $25 minimum withdrawal amount, there are many different payment services, no recurring fees, and quick processing that also positively affect the score.
Instant Funding offers 24/7 live chat and email support with a relatively fast response time, and documentation-focused educational resources. When I contacted them on both channels, their response times were fast for general inquiries, though some complex issues took a bit longer to fix.
The contact support via live chat and email work via the firm’s internal ticketing system. While this ticketing system is more stable, it doesn’t exactly guarantee 24/7 coverage, and they don’t have phone support either which may be critical especially when you’re in a time-sensitive scenario during trading.
For educational materials, they include a help center, FAQs, onboarding guides, limited webinars, and they have detailed instructions with screenshots on how to use their platforms’ features which is solid for beginners. While they lack formal training courses, they focus on documentation-based education with clear explanations of their challenge types, add-ons, trading rules, payout conditions, and platform usage.
Both Instant Funding’s 24/7 live chat and email support was fast and responsive, even though phone support is lacking. Their educational resources are strictly self-service documentation, but the lack of online tutorials and courses slightly lower the score at 7/10.
Instant Funding is not broker-backed, and its system is structured through ‘IF Pro Ltd.’ that’s registered in Saint Lucia with Acello Limited acting as a payment agent, but neither entities are licensed by authorities like the FCA or ASIC.
Though they have more than 4,700 reviews on TrustPilot, the review page was blocked due to a breach of TrustPilot’s guidelines because they recently removed most of their scores due to potential fake reviews.
While it has clear trading and payment rules, I spotted forums and social posts where IF users complain about their enforcement consistency, unanswered payment withdrawal delays, and poor handling of payment disputes. This means that their rule and guidelines transparency is up to standards, but corporate and execution transparency is in question.
We gave IF a score of 3/10 on Transparency and Trust mainly because of their TrustPilot review removal due to fake review allegations. While they have a very active Discord social channel for an independent prop firm, there’s a large number of prop traders complaining about denied payout requests and mishandling of disputes which drastically lowers their reputation.
Instant Funding scored 58/100 based on a mixed performance across challenges, pricing transparency, platforms, markets, payouts, and trust. The score reflects a firm that offers flexible instant funding models and solid platform access, but loses significant points due to transparency gaps and rule enforcement concerns.
On the positive side, Instant Funding earned stronger marks for Platforms (8/10) and Payouts (8/10) thanks to support for MT5, cTrader, and Match-Trader, along with a range of on-demand and short-cycle withdrawal options. Markets and Leverage (7/10) also scored well, with broad CFD coverage and up to 1:100 leverage on forex pairs.
However, the overall score is pulled down by Spreads and Fees (3/10) and Trust and Transparency (3/10). The firm does not publicly disclose live spread data, execution sources, liquidity providers, or whether pricing is broker-backed or fully simulated. In addition, the removal of TrustPilot reviews following guideline breaches and ongoing trader complaints about payout disputes and rule enforcement significantly impacted the trust score.
Challenges (6/10) sit in the middle. Fees are competitive and the range of instant and evaluation-based models is broad, but strict consistency rules, add-on-dependent flexibility, and complex conditions reduce clarity for traders. Overall, Instant Funding operates within clearly written rules, but the lack of third-party verification and pricing transparency ultimately cap its score at the lower end of our rankings.
Yes, Instant Funding does process payouts, but this is also one of the reasons the prop firm review score was lower overall. While payouts are advertised as being processed within 48 business hours via RISE or USDC crypto, a noticeable number of traders report delayed withdrawals, rejected payout requests, or account terminations tied to rule interpretation. These complaints, combined with removed TrustPilot reviews and limited public payout verification, raise concerns around consistency rather than the payout system itself.
Instant Funding works by giving you access to simulated trading capital after paying a one-time fee, either through instant funding accounts with no evaluation or through one step and two step challenges. You trade under predefined risk rules, profit targets, and consistency limits, and if you meet the conditions, you become eligible for payouts based on the funded account’s payout schedule. Profits are split between you and the firm, while breaches of drawdown or trading rules can result in account closure.
Our shortlist of the best instant funding prop firms currently ranks Blueberry Funded as the strongest option for traders who want a no-evaluation account with clearer pricing and simpler rules. FXIFY follows closely, offering a wider range of instant funding models and platforms. Both firms are backed by regulated CFD brokers, which adds an extra layer of pricing and execution transparency.
Yes, Instant Funding is available to traders in the United States, but platform access is limited and they didn’t make our shortlist of the 10 best prop firms in the USA. Traders based in the US can trade through cTrader or Match-Trader, while MT5 is not supported in this region. These platforms still provide core charting, order management, and limited automation features under Instant Funding’s rules. US traders can request a platform switch during a challenge for a one-time $20 fee, and standard KYC verification is required before withdrawals.
Our methodology involves assessing each prop firms key features like their challenges, audition process, account structures, profit payouts, and trading conditions. This hands-on testing ensures we provide accurate, unbiased insights into how DNA Funded performs in real-world trading scenarios.
Ask an Expert