Futures
ForexCrypto
Based on Trustpilot
Every Instant Funding program, with account size, profit target, daily and maximum loss, profit split and leverage. Instant Funding sells Instant (Instant Funding), Instant (Instant Funding GO), Instant (IF Micro), Instant (IF1), 1 Step (One-Phase) and 2 Step (Two-Phase), plus Clarity and Micro variants.
Checked against Instant Funding on 29 July 2026
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The instant programs carry no profit target. 1 Step (One-Phase) asks 10%, 1 Step (One-Phase Micro) 7% and 1 Step (One-Phase Clarity) 9%. 2 Step (Two-Phase) asks 8% then 5%, and 2 Step (Two-Phase Micro) 8% then 4%. Instant (IF1) has no target but sets a 2% payout threshold.
Maximum loss is static and anchored to the initial balance on most programs: 10% on Instant (Instant Funding) and 2 Step (Two-Phase), 8% on 1 Step (One-Phase), 6% on Instant (IF Micro) and 4% on Instant (IF1). It is breached if either equity or balance falls below the limit. Smart Drawdown starts at 10% and fixes permanently at 5% once the account gains 5%, while the Clarity products instead trail at 6% of closed balance and stop trailing at 6% profit.
Daily loss is measured against whichever is higher of balance or equity at 17:00 EST, and the snapshot is recalculated at that time every day. It is 5% on 2 Step (Two-Phase), 4% on Instant (Instant Funding GO) and Instant (IF Micro), 3% on 1 Step (One-Phase) and 2% on Instant (IF1). Instant (Instant Funding) and Instant (Instant Funding Clarity) have no daily loss limit.
No program publishes a time limit, except Instant (IF1), which stays active for 24 hours from the first trade. Minimum trading days are 3 on 1 Step (One-Phase) and both 2 Step programs and 7 on 1 Step (One-Phase Crypto), with none on the Micro and Clarity products. Accounts close after 60 consecutive days without a trade.
The instant programs fund on purchase with no target. 1 Step (One-Phase) passes at a 10% target with 3% daily and 8% maximum loss. 2 Step (Two-Phase) asks 8% then 5% with 5% daily and 10% maximum loss. The Micro programs use lower targets and tighter caps, and Instant (IF1) runs for 24 hours only.
No. None of the programs publish a maximum number of days. The exceptions are Instant (IF1), which is active for 24 hours from the first trade, and the inactivity rule, which closes an account after 60 days with no trades.
Instant (Instant Funding) and Instant (Instant Funding GO) double after a minimum 10% gain, up to $1,280,000, with only 5% of the starting balance withheld at each step. Challenge, Micro and IF Micro accounts increase by growing at least 10% over a 90 day period, up to 100% of the original starting balance. 1 Step (One-Phase Crypto) has no scaling.
It is a best day cap applied when a payout is requested, not a pass or fail rule. 1 Step (One-Phase) and 2 Step (Two-Phase) cap the best day at 40% of total profit. The Micro programs and Instant (IF1) cap it at 15%, and Instant (Instant Funding Clarity) and 1 Step (One-Phase Clarity) have no consistency rule.
No maximum count is published. Combined starting balance across all account and challenge types is capped at $1,000,000, though the IF Micro Crypto page states $940,000. Scaling growth does not count toward the cap.
