#2FTMO2-Step · Swing
News allowedWeekends allowed1:30 on forex1:15 on gold
Safe forex trade$818.3KSafe gold trade0.56 lotsat $100K, on a normal day
See FTMOInstant Funding
Based in Saint LuciaSince 2021Checked 27 Sep 2026from$127a $10K One-Phase ChallengeOpen Instant Funding
★ Write a review#13 of 14prop firms, overall
Trading rules40% of the rating · how much room the rules give you25/100
Reputation60% of the rating · reviews, payouts, the company31/100
Trader votesCounts once 10 traders vote · 0 so farAdd your vote
Looser rules score higher on trading rules, however new or small the firm. That is why reputation counts for more.
What's inside each part ▾Hide the detail ▴
Trading rules
Leverage across all markets13.833333333333334/40
News trading11/35
Weekend holds0/25
Reputation
Review ratingNot published
How widely usedNot published
Getting paidNot published
Who you contract with20/20
Years in business11/15
The rules at a glance
One-Phase Challenge · $100K, funded accountForex leverage1:100
Gold leverage1:5
Daily loss limit3%of the account
Max loss limit8%Fixed (static)
News tradingNo trades ±4 min
Holding over the weekendNot allowed
Safe forex trade2.16 lots$245.5K of EUR/USD, survives a normal day
Safe gold trade0.16 lotson a normal day
Leverage on each market
Longer bar = more room than EU retail brokers are allowed to giveForex3.3× the EU limit (1:30)1:100
Indices0.3× the EU limit (1:20)1:5
Metals0.3× the EU limit (1:20)1:5
Energies0.5× the EU limit (1:10)1:5
Crypto1.0× the EU limit (1:2)1:2
StocksEU limit 1:5Not offered
Good signs and things to check
- ✓Publishes 14 of 14 gold rules we look for
- !The company you contract with is registered in Saint Lucia
- !The company was registered in 2025
You sign with IF Pro Ltd (Saint Lucia)Company record
Reviews of Instant Funding
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Getting paid
We have not read Instant Funding’s payout terms yet.
What we checked for Instant Funding
Last checked 27 Sep 202632rules and facts recorded
40quotes from its own site
7of its pages read
0things it doesn't publish
Every figure on this page links to the Instant Funding page it came from. Where Instant Funding publishes nothing, we say so and score it zero.
2 programs to choose from
One-Phase Challenge
1-step- Forex leverage
- 1:100
- Gold leverage
- 1:5
- Daily loss
- 3%
- Max loss
- 8% static
- Safe forex position
- $245.5K
- Safe gold size
- 0.16 lots
- Price at $100K
- $746
Two-Phase Challenge
2-step- Forex leverage
- 1:100
- Gold leverage
- 1:5
- Daily loss
- 5%
- Max loss
- 10% static
- Safe forex position
- $409.2K
- Safe gold size
- 0.28 lots
- Price at $100K
- Not published
Safe position: the biggest trade that survives a normal day, at $100K (or the smallest size sold).
How big can you trade safely?
The biggest trade that survives one normal day going against you.
Biggest safe trade on EUR/USD2.2 standard lots1 lot = 100,000 euros · worth $245,499 in total
- Room to lose today$1,500
- A normal day moves0.611%
- So the most you can hold$245,499
Hold more than this and a normal day against you would break the single-asset loss limit. (Leverage of 1:100 would let you open up to $10,000,000.)
Every rule, with its source
Each rule links to the Instant Funding page that states it.
One-Phase Challenge
1-step evaluation · $5K to $200K- Daily loss
- 3%3% daily drawdown, published in the firm's product comparison tableRead from the column for One-Phase Challenges in the firm's comparison table.
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“Daily drawdown | – | 4% | 4% | 2% | 3% | 4% | 5% | 4% | 4% | 3% |”
Trading Rules - Max loss
- 8% · static
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“Static Drawdown | – | – | 6% | 4% | 8% | 7% | 10% | 10% | 6% | 6% |”
Trading Rules “Example: with $10,000 starting balance, your account can't drop below $9,200.”
One-Phase Challenge - Max loss on one asset
- 1.5%1.5% is half of this program's 3% daily drawdown, which is how the firm defines the limit. It is genuinely per-instrument — all positions on one instrument in one direction count as one idea — and breaching it is a hard breach, not an auto-close.
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“You may not risk or lose more than 50% of the account's starting daily drawdown at any time in one trade idea. A trade idea includes all open positions on the same instrument in the same direction (Buy or Sell). Closing and reopening a position in the same direction on the same instrument within 10 minutes is treated as the same trade idea and does not reset the limit. Exceeding this limit will result in a hard breach.”
One-Phase Challenge - Forex leverage
- 1:1001:30 with the Swing add-on. The temporary funded-only reduction does not name currencies.
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“One-Phase Pro Previously known as: One Phase … Asset class Without Swing With Swing Currencies 1:100 1:30 Metals 1:20 1:8 Commodities 1:20 1:10 Indices 1:20 1:10 Crypto 1:2 1:1”
One-Phase Pro - Indices leverage
- Challenge 1:20 · Funded 1:5Standard 1:20 (1:10 with Swing). Funded figure is the temporary 1:5 on Indices, posted with no end date.
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“One-Phase Pro Previously known as: One Phase … Asset class Without Swing With Swing Currencies 1:100 1:30 Metals 1:20 1:8 Commodities 1:20 1:10 Indices 1:20 1:10 Crypto 1:2 1:1”
One-Phase Pro “Standard Instant Funding Pro & Lite, One-Phase Pro, IF Micro Pro … Currencies 1:100 … Metals 1:20 … Commodities 1:20 … Indices 1:20 … Crypto 1:2 … Temporary update: Due to increased market volatility, leverage on Metals, Oil, and Indices is temporarily set to 1:5 on funded accounts only. Standard leverage will be restored once market conditions stabilize.”
What's The Leverage? - Metals leverage
- Challenge 1:20 · Funded 1:5One Metals row covers gold and silver alike (XAUUSD, XAGUSD). NEW: the leverage article and the One-Phase Pro page now publish Metals 1:20 (1:8 with Swing) for One-Phase Pro; the existing record has goldLeverage.challenge = null because Metals was previously missing from the table. Challenge gold leverage should become 20. Funded remains the temporary 1:5.
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“One-Phase Pro Previously known as: One Phase … Asset class Without Swing With Swing Currencies 1:100 1:30 Metals 1:20 1:8 Commodities 1:20 1:10 Indices 1:20 1:10 Crypto 1:2 1:1”
One-Phase Pro “Standard Instant Funding Pro & Lite, One-Phase Pro, IF Micro Pro … Currencies 1:100 … Metals 1:20 … Commodities 1:20 … Indices 1:20 … Crypto 1:2 … Temporary update: Due to increased market volatility, leverage on Metals, Oil, and Indices is temporarily set to 1:5 on funded accounts only. Standard leverage will be restored once market conditions stabilize.”
What's The Leverage? - Energies leverage
- Challenge 1:20 · Funded 1:5The firm's 'Commodities' class is oil only (WTI, BRENT) per its instrument list. 1:10 with Swing. Funded figure is the temporary 1:5 on Oil.
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“One-Phase Pro Previously known as: One Phase … Asset class Without Swing With Swing Currencies 1:100 1:30 Metals 1:20 1:8 Commodities 1:20 1:10 Indices 1:20 1:10 Crypto 1:2 1:1”
One-Phase Pro “Standard Instant Funding Pro & Lite, One-Phase Pro, IF Micro Pro … Currencies 1:100 … Metals 1:20 … Commodities 1:20 … Indices 1:20 … Crypto 1:2 … Temporary update: Due to increased market volatility, leverage on Metals, Oil, and Indices is temporarily set to 1:5 on funded accounts only. Standard leverage will be restored once market conditions stabilize.”
What's The Leverage? - Crypto leverage
- 1:21:1 with the Swing add-on.
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“One-Phase Pro Previously known as: One Phase … Asset class Without Swing With Swing Currencies 1:100 1:30 Metals 1:20 1:8 Commodities 1:20 1:10 Indices 1:20 1:10 Crypto 1:2 1:1”
One-Phase Pro - Stocks leverage
- Not offerednot offered — the firm's full instrument list has no stocks or shares. Not in the firm's own list of tradable instruments.
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“You can trade all of these with us. Major Currencies … Metals XAGUSD Silver – US Dollar XAUUSD Gold – US Dollar Commodities WTI US Crude Oil (USOUSD) BRENT Brent Crude Oil (UKOUSD) Major Indices ASX200 Australian 200 Index SPX500 S&P 500 Index … Digital Currencies BTCUSD Bitcoin 1 Lot = 1 BTC”
What instruments do you have? - Leverage, other pages
- Other official pages bear on these figures
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“Commodities leverage with a major news trading add-on Up to 1:8 … Indices leverage with a major news trading add-on Up to 1:10”
Trading Rules - News trading
- Challenge allowed · Funded no trades ±4 minThe restriction lands only once you are funded, and it can be bought off with a paid add-on, which also lowers currency leverage to 1:30 and commodities to 1:8.
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“Major News Trading: ... Trades executed within 4 minutes before or after a major news event are restricted. ... Profits from such trades may be adjusted, and accounts reset if necessary. This rule does not prevent trades opened beforehand and closed after the window ends. It also does not apply to Instant Funding Micro, IF1, One-phase Micro, Two-Phase Micro, IF Micro Crypto, and One-Phase Crypto products, accounts with the major news trading add-on or phases one and two of all challenges.”
Trading Rules - Weekend holds
- Challenge allowed · Funded not allowedHolding positions over a weekend on a funded account is a breach unless the add-on was bought. Note the asymmetry: it is permitted while you are being evaluated and withdrawn once you are paid.
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“You're allowed to keep trades open overnight. You can hold weekend positions during the challenge phase. For your funded account, weekend positions are available with the add-on Allow major news trading and weekend holding. If you don't have the add-on, make sure to close all positions before the market closes on Friday to avoid a breach.”
One-Phase Challenge - Lot cap · XAUUSD
- Set by account size, see belowOne of the few published gold lot caps on this site. The lot table groups metals with commodities even though the commission table separates them, so this column is the gold cap. Positions in the category are summed, and breaching it resets the account.
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“Maximum Lot Rule sets clear limits on total lot sizes per asset class. Lot size limits apply to each asset class. Multiple positions within the same category are counted together when calculating the total volume. Violating the Maximum Lot Rule will result in a full account reset. ... One-Phase challenge size FX Commodities/ Metals Indices Crypto $5,000 2 0.15 1 0.5 $10,000 4 0.3 2 1 $25,000 10 0.75 5 2.5 $50,000 20 1.5 10 5 $100,000 40 3 20 10 $200,000 80 6 40 20”
One-Phase Challenge - Account sizes
- $5K · $10K · $25K · $50K · $100K · $200K
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“One-Phase challenge size FX Commodities/ Metals Indices Crypto $5,000 2 0.15 1 0.5 $10,000 4 0.3 2 1 $25,000 10 0.75 5 2.5 $50,000 20 1.5 10 5 $100,000 40 3 20 10 $200,000 80 6 40 20”
One-Phase Challenge
| Size | Daily loss | Max loss | One asset | Lot cap | Safe forex | Safe gold |
|---|---|---|---|---|---|---|
| $5K | $150 | $400 | $75 | 0.15 lots | $12.3K | under 0.01 lots |
| $10K | $300 | $800 | $150 | 0.30 lots | $24.5K | 0.01 lots |
| $25K | $750 | $2,000 | $375 | 0.75 lots | $61.4K | 0.04 lots |
| $50K | $1,500 | $4,000 | $750 | 1.50 lots | $122.7K | 0.08 lots |
| $100K | $3,000 | $8,000 | $1,500 | 3.00 lots | $245.5K | 0.16 lots |
| $200K | $6,000 | $16,000 | $3,000 | 6.00 lots | $491K | 0.33 lots |
The safe position here uses the single-asset limit, because it is tighter than the daily loss limit.
Two-Phase Challenge
2-step evaluation · $5K to $200K- Daily loss
- 5%5% daily drawdown, published in the firm's product comparison tableRead from the column for Two-Phase Challenges in the firm's comparison table.
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“Daily drawdown | – | 4% | 4% | 2% | 3% | 4% | 5% | 4% | 4% | 3% |”
Trading Rules - Max loss
- 10% · static
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“Static Drawdown | – | – | 6% | 4% | 8% | 7% | 10% | 10% | 6% | 6% |”
Trading Rules - Max loss on one asset
- 2.5%Half of this program's 5% daily drawdown, per the firm's own definition of the limit.
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“You may not risk or lose more than 50% of the account's starting daily drawdown at any time in one trade idea. A trade idea includes all open positions on the same instrument in the same direction (Buy or Sell). ... Exceeding this limit will result in a hard breach.”
Two-Phase Challenge - Forex leverage
- 1:100The Two-Phase page publishes no leverage figure, and the leverage article's product columns do not name the USD Two-Phase (only 'Two-Phase ZAR', under Clarity & ZAR at 1:30). Figures here are the general Trading Rules page, which is not product-scoped.
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“Currencies leverage Up to 1:100 Commodities leverage Up to 1:20 Indices leverage Up to 1:20 Crypto leverage Up to 1:2 … Temporary update: Due to increased market volatility, leverage on Metals, Oil, and Indices is temporarily set to 1:5 on funded accounts only. Standard leverage will be restored once market conditions stabilize.”
Trading Rules - Indices leverage
- Challenge 1:20 · Funded 1:5General Trading Rules figure; funded is the temporary 1:5.
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“Currencies leverage Up to 1:100 Commodities leverage Up to 1:20 Indices leverage Up to 1:20 Crypto leverage Up to 1:2 … Temporary update: Due to increased market volatility, leverage on Metals, Oil, and Indices is temporarily set to 1:5 on funded accounts only. Standard leverage will be restored once market conditions stabilize.”
Trading Rules - Metals leverage
- Challenge not published · Funded 1:5Unchanged from existing record: the Trading Rules page has no Metals line, the Two-Phase page has no leverage at all, and the leverage article's Metals 1:20 is scoped to 'Instant Funding Pro & Lite, One-Phase Pro, IF Micro Pro', not Two-Phase. Funded = temporary 1:5 on Metals. Gold and silver not distinguished.
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“Currencies leverage Up to 1:100 Commodities leverage Up to 1:20 Indices leverage Up to 1:20 Crypto leverage Up to 1:2 … Temporary update: Due to increased market volatility, leverage on Metals, Oil, and Indices is temporarily set to 1:5 on funded accounts only. Standard leverage will be restored once market conditions stabilize.”
Trading Rules - Energies leverage
- Challenge 1:20 · Funded 1:5Commodities = WTI and Brent only. Funded is the temporary 1:5 on Oil.
SourceHide source
“Currencies leverage Up to 1:100 Commodities leverage Up to 1:20 Indices leverage Up to 1:20 Crypto leverage Up to 1:2 … Temporary update: Due to increased market volatility, leverage on Metals, Oil, and Indices is temporarily set to 1:5 on funded accounts only. Standard leverage will be restored once market conditions stabilize.”
Trading Rules - Crypto leverage
- 1:2
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“Currencies leverage Up to 1:100 Commodities leverage Up to 1:20 Indices leverage Up to 1:20 Crypto leverage Up to 1:2 … Temporary update: Due to increased market volatility, leverage on Metals, Oil, and Indices is temporarily set to 1:5 on funded accounts only. Standard leverage will be restored once market conditions stabilize.”
Trading Rules - Stocks leverage
- Not offerednot offered — the firm's full instrument list has no stocks or shares. Not in the firm's own list of tradable instruments.
SourceHide source
“You can trade all of these with us. Major Currencies … Metals XAGUSD Silver – US Dollar XAUUSD Gold – US Dollar Commodities WTI US Crude Oil (USOUSD) BRENT Brent Crude Oil (UKOUSD) Major Indices ASX200 Australian 200 Index SPX500 S&P 500 Index … Digital Currencies BTCUSD Bitcoin 1 Lot = 1 BTC”
What instruments do you have? - Leverage, other pages
- Other official pages bear on these figures
SourceHide source
“Clarity & ZAR Clarity products, Two-Phase ZAR, IF Micro Lite … Currencies 1:30 … Metals 1:5 … Commodities 1:20 … Indices 1:20 … Crypto 1:2”
What's The Leverage? - News trading
- Challenge allowed · Funded no trades ±4 min
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“Trades executed within 4 minutes before or after a major news event are restricted. ... Profits from such trades may be adjusted, and accounts reset if necessary. ... It also does not apply to ... phases one and two of all challenges.”
Trading Rules - Weekend holds
- Challenge allowed · Funded not allowedThe funded Two-Phase account is not on that list, so weekend positions need the paid add-on.
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“Over Weekend : Enabled for phases one, and two of all our challenges, Instant Funding Micro, One-Phase Micro, Two-Phase Micro, IF Micro Crypto, and One-Phase Crypto products, and accounts with a major news trading add-on.”
Trading Rules - Lot cap · XAUUSD
- Set by account size, see below
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“Two-Phase challenge size FX Commodities/ Metals Indices Crypto $5,000 2 0.15 1 0.5 $10,000 4 0.3 2 1 $25,000 10 0.75 5 2.5 $50,000 20 1.5 10 5 $100,000 40 3 20 10 $200,000 80 6 40 20”
Two-Phase Challenge - Account sizes
- $5K · $10K · $25K · $50K · $100K · $200K
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“Two-Phase challenge size FX Commodities/ Metals Indices Crypto $5,000 2 0.15 1 0.5 $10,000 4 0.3 2 1 $25,000 10 0.75 5 2.5 $50,000 20 1.5 10 5 $100,000 40 3 20 10 $200,000 80 6 40 20”
Two-Phase Challenge
| Size | Daily loss | Max loss | One asset | Lot cap | Safe forex | Safe gold |
|---|---|---|---|---|---|---|
| $5K | $250 | $500 | $125 | 0.15 lots | $20.5K | 0.01 lots |
| $10K | $500 | $1,000 | $250 | 0.30 lots | $40.9K | 0.02 lots |
| $25K | $1,250 | $2,500 | $625 | 0.75 lots | $102.3K | 0.07 lots |
| $50K | $2,500 | $5,000 | $1,250 | 1.50 lots | $204.6K | 0.14 lots |
| $100K | $5,000 | $10,000 | $2,500 | 3.00 lots | $409.2K | 0.28 lots |
| $200K | $10,000 | $20,000 | $5,000 | 6.00 lots | $818.3K | 0.56 lots |
The safe position here uses the single-asset limit, because it is tighter than the daily loss limit.
Who you are dealing with
Easier rules do not make a better firm. This is what Instant Funding publishes about itself — the company whose terms you accept, where it is registered, and what its record is worth. Every line comes from Instant Funding’s own pages and is produced by the same test applied to every firm here.
The 2 companies behind the brand
| Your contract is with | IF Pro Ltd · Saint Lucia · no. 2025-00056The top floor, Rodney Court Building, Rodney Bay, Gros Islet, Saint Lucia |
|---|---|
| Takes your payment | Acello Ltd · United Kingdom · no. 1269608330 Old Bailey, London, EC4M 7AU |
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“IF Pro Ltd, a company incorporated in Saint Lucia with company registration number: 2025-00056 and registered offices at: The top floor, Rodney Court Building, Rodney Bay, Gros Islet, Saint Lucia. IF Pro Ltd is an International Business Company. Acello Ltd is the payment agent for IF Pro Ltd.”
The brand says it was established in the UK in 2021, but the company you contract with is a Saint Lucia IBC registered in 2025. The UK company takes the payment.
What that adds up to
- !The company you contract with is registered in Saint LuciaIF Pro Ltd (Saint Lucia, no. 2025-00056) is the entity whose terms you accept. Registering offshore is legal and normal in this industry, but it decides where a dispute would have to be pursued, and it is rarely where the firm's offices are.
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“IF Pro Ltd, a company incorporated in Saint Lucia with company registration number: 2025-00056 and registered offices at: The top floor, Rodney Court Building, Rodney Bay, Gros Islet, Saint Lucia. IF Pro Ltd is an International Business Company. Acello Ltd is the payment agent for IF Pro Ltd.”
Homepage footer - !The company was registered in 2025IF Pro Ltd carries registration number 2025-00056, which dates it to 2025. A firm can be run well from its first month, but there is no track record to check yet.
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“IF Pro Ltd, a company incorporated in Saint Lucia with company registration number: 2025-00056 and registered offices at: The top floor, Rodney Court Building, Rodney Bay, Gros Islet, Saint Lucia. IF Pro Ltd is an International Business Company. Acello Ltd is the payment agent for IF Pro Ltd.”
Homepage footer - ·Says in its own words that the trading is simulatedIF Pro Ltd does not conduct brokerage services or offer real trading accounts on this website. Its services are limited to simulated trading programs.
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“IF Pro Ltd does not conduct brokerage services or offer real trading accounts on this website. Its services are limited to simulated trading programs.”
Homepage footer - ·Its reviews and payout terms have not been checked yetOnly this firm's gold rules have been read. Its payout terms and its review record are not on this site yet, so nothing here should be read as a clean bill of health.
- +Publishes 14 of 14 gold rules we look forEvery rule this site checks for is published on the firm's own pages, which no other firm here manages.
These are tests, not opinions: the thresholds are written down in the code and applied to every firm identically, so they cannot be tuned per company. How they work. Nothing here is looked up in a companies register or a regulator's database — what a firm publishes about itself is the thing being compared.
Rule changes
We started tracking Instant Funding’s rules on 23 Sep 2026. Changes will be listed here with the old and the new wording.
Other firms traders compare with this one
#3FXIFYTwo Phase (Standard) · $549
News allowedWeekends allowed1:30 on forex1:30 on gold
Safe forex trade$654.7KSafe gold trade0.44 lotsat $100K, on a normal day
See FXIFY#4BrightFunded2-Step Classic · €497
News no trades ±5 minWeekends allowed1:100 on forex1:40 on gold
Safe forex trade$818.3KSafe gold trade0.56 lotsat $100K, on a normal day
See BrightFunded#5Pipstone Capital2-Step Challenge · $599
News allowedWeekends allowed1:100 on forex1:100 on gold
Safe forex trade$245.5KSafe gold trade0.16 lotsat $100K, on a normal day
See Pipstone CapitalAbout this data
Checked by hand against Instant Funding’s own pages on 27 Sep 2026. Where a rule is not published, we say so and score it zero.
The One-Phase and Two-Phase challenges are listed here. The flagship Instant Funding and Instant Funding GO accounts are deliberately left out: the firm's own comparison table shows no daily drawdown figure for the Instant Funding account at all, and a daily limit that does not exist cannot be recorded honestly as a number. The One-Phase (now One-Phase Pro) evaluation carries the Metals 1:20 the firm publishes for it; the Two-Phase evaluation's gold leverage is recorded as not published, because no Metals figure is scoped to it. Funded gold leverage on both is the 1:5 the firm posted as a temporary reduction.
IF Pro Ltd, an International Business Company incorporated in Saint Lucia with registration number 2025-00056, registered at The top floor, Rodney Court Building, Rodney Bay, Gros Islet. Payments are taken by Acello Ltd, incorporated in England and Wales with company number 12696083 at 30 Old Bailey, London, acting as IF Pro Ltd's payment agent. The firm separately says it was established in the UK in 2021.
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“IF Pro Ltd, a company incorporated in Saint Lucia with company registration number: 2025-00056 and registered offices at: The top floor, Rodney Court Building, Rodney Bay, Gros Islet, Saint Lucia. IF Pro Ltd is an International Business Company. Acello Ltd is the payment agent for IF Pro Ltd.”
“Acello Ltd (Payment Agent of IF Pro Ltd, with a trading name of Instant Funding), a company incorporated in England and Wales with company number 12696083 and registered offices at: 30 Old Bailey, London, EC4M 7AU”