Head to head on price, cost to get funded, rules, payouts and trust, read on both firms' own pages. Checked October 31, 2026.
Verdict: FXIFY wins 3 of the 4 points the data decides, Instant Funding 1. FXIFY leads on cheapest $100k plan, lowest cost to get funded (est.), rules allowed (of 5). Instant Funding leads on cheapest plan to start. Points the data cannot decide are left unmarked.
 FXIFY |  Instant Funding | |
|---|---|---|
| Market | forex | forex |
| Based in | United Kingdom | Saint Lucia (IF Pro Ltd) |
| Founded | 2023 | n/a |
| Trustpilot | 4.3 (6,550 reviews) | n/a |
| PropTested safety score | 64/100 | n/a |
| Plans on sale | 10 | 7 |
| Cheapest plan to start | $186.75 (Three Phase, $50K) | $99 (IF Evolve, $50K) |
| Cheapest $100K plan | $299.25 | $500 |
| Lowest cost to get funded (est.) | $47 | $103 |
| Max profit split | 80% | 80% |
| Drawdown types | Trailing balance, Static | Trailing balance, Static, End of day |
| Plans without daily loss limit | 0 of 64 | 12 of 42 |
| Plans without consistency rule | 11 of 64 | 5 of 42 |
| First payout | n/a | After 14 days |
| Payout cycle | 1, 2 Trailing and 3 Phase: first payout on demand, then every 30 days or 14 with add-on; 2 Phase Classic 14 or 30 days; 2 Phase Pro every 10 days; Instant every 14 days (first after 14); Instant Lite every 10 days; Lightning first after 7 days then every 14 | By program: on demand, weekly after day 14, or every 14 days |
| Payouts read on chain | $1,659,186 | $801,700 |
| Rules allowed (of 5) | 2 | 1 |
| Platforms | MT5, DXTrade, TradingView | MT5, cTrader, Match-Trader |
| Current offer | 35% off | 30% off |
| Checked | 2026-11-05 | 2026-10-31 |
FXIFY is a forex prop firm based in United Kingdom, founded in 2023. As of November 5, 2026, PropTested reads 10 plans on its site, from $19 one payment, with a profit split of up to 80%. Drawdown is trailing balance or static. Trustpilot shows 4.3 of 5 from 6,550 reviews. All FXIFY plans and rules.
Instant Funding is a forex prop firm based in Saint Lucia (IF Pro Ltd). As of October 31, 2026, PropTested reads 7 plans on its site, from $44 one payment, with a profit split of up to 80%. Drawdown is trailing balance or static or end of day and some plans have no daily loss limit. The first payout can be requested after 14 days. All Instant Funding plans and rules.
Instant Funding has the cheaper entry plan: FXIFY starts at $186.75 (Three Phase) and Instant Funding at $99 (IF Evolve), checked October 31, 2026. The cost-to-funded estimate in the table is the better guide, because it counts resets and fees against each plan's pass odds.
FXIFY: 1, 2 Trailing and 3 Phase: first payout on demand, then every 30 days or 14 with add-on; 2 Phase Classic 14 or 30 days; 2 Phase Pro every 10 days; Instant every 14 days (first after 14); Instant Lite every 10 days; Lightning first after 7 days then every 14. Instant Funding: By program: on demand, weekly after day 14, or every 14 days.
FXIFY allows 2 of the five trading rules PropTested tracks (news, EAs, copy trading, overnight, weekend) and Instant Funding allows 1. 11 of FXIFY's 64 setups have no evaluation consistency rule, against 5 of 42 at Instant Funding.
Trustpilot data is missing for one of the firms.
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