1-step, 2-step and instant accounts
An evaluation is a test you pay for. 1-step has one target, 2-step has two in a row, and instant skips the test, usually for a higher price and tighter terms.
The usual path
- BuyPay the evaluation fee
- PassReach the target inside the rules
- ActivateSign, and pay any activation fee
- FundedTrade under the funded rules
- Get paidRequest a payout once you qualify
On most plans both the evaluation and the funded account are simulated, and payouts are paid by the firm from its own money. Some firms move strong traders to a live account later. Read each firm's terms.
Comparing the three paths
| 1-step | 2-step | Instant | |
|---|---|---|---|
| Test | One target | Two targets in a row | None |
| Typical price | Middle | Often lowest | Highest |
| Typical catch | Tighter loss limits | Takes longer | Lower caps, stricter rules |
| Common in | Futures, forex | Forex | Futures, forex |
These are general patterns, not guarantees. Compare actual plans in the table.
What to check
- Whether the rules change after you pass. Daily loss limits and consistency often do.
- Time limits. Many plans have none today, but monthly billing creates one in practice.
- Whether "instant" still has a payout target before your first withdrawal.