FXIFY

FXIFY Rules

Swaps apply. Positions held past the daily rollover, around 5PM EST, are charged or credited depending on the interest rate differential between the two currencies.

No swap rate table is published anywhere on fxify.com. The rates are visible only inside the platform, so check the instrument before holding overnight.

Expert Advisors (EAs)

EAs are allowed on One Phase, Two Phase and Three Phase accounts and on their funded stages, but only after review and pre-approval by support.

Running an EA without pre-approval may breach the Terms and can lead to suspension with no eligibility to profits. Using the same commercial EA as other traders can be treated as herd trading.

EAs are prohibited outright on Instant Funding, Instant Funding Lite and the Lightning Plan.

News Trading

News trading is unrestricted on One Phase, Two Phase Classic, Two Phase Standard, Two Phase Pro and Three Phase, in evaluation and once funded. FXIFY states: "Yes, you are able to trade new events on 1,2 and 3-Phase accounts. Although we do not restrict news trading, traders should be aware that trades might not get filled at desirable prices."

The Lightning Assessment is the exception. It is restricted 5 minutes either side of major news, in both the challenge and the live stage. The crypto evaluations carry the same 5 minute blackout.

Both Instant Funding products are the opposite of the phase accounts: no trades or orders 5 minutes before or after a high impact news event, and any trade opened or closed in that window is invalidated. On Instant Funding Lite, profits made inside the window are removed while losses stand.

Separately, General Terms clause 5.4.1.6 prohibits gap trading when a major scheduled news event is due.

Weekend Holding

Weekend holding is allowed on One Phase, Two Phase in all variants, Three Phase and Lightning.

It is not allowed on either Instant Funding product. All positions must be closed before 3:45 PM EST on Friday, 75 minutes before the market closes, and anything still open is closed by FXIFY at the market rate.

Trading at the weekend itself is only possible on crypto plans.

Hedging

There is no rule against hedging inside a single account. FXIFY does not expressly permit it anywhere either, so treat it as not prohibited rather than as approved.

Reverse hedging and group hedging across accounts are prohibited. General Terms clause 5.4.1.4 bars trades whose purpose is to manipulate trading, including simultaneously entering opposite positions between connected accounts.

Consistency

There is no consistency rule on One Phase, Two Phase Standard, Two Phase Pro, Three Phase or Instant Funding.

Two Phase Classic carries a 25% rule on the funded stage. The Lightning Plan carries 30%.

Copy Trading

Copy trading is allowed between a trader's own FXIFY accounts, and from an FXIFY account out to other accounts.

Copying into an FXIFY account from a third party needs a trading statement showing at least 30 days of history from that account with the trader's name on it. Approval is given per account through operations@fxify.com.

Copy trading is not allowed on Instant Funding Lite, Instant Funding, Two Phase Pro or the Lightning Plan.

Martingale and Grid

Martingale is permitted. FXIFY's homepage feature list states "Martingale and Grid Allowed".

The Terms still prohibit overleveraging, overexposure, one-sided bets and account rolling, so position sizing is where these strategies get caught.

Trading Days and Inactivity

Trading days are unlimited on every program except the Lightning Assessment, which has a 5 day maximum. The minimum is 4 to 5 trading days depending on the program.

An account is breached for inactivity if no trade is placed for 60 days.

High Frequency Trading (HFT)

FXIFY publishes no rule specific to high frequency trading, so treat that as not published.

What the Terms do prohibit is overleveraging, overexposure, one-sided bets, account rolling and herd trading. Breaching a prohibited strategy allows immediate termination and voided profits, and all passed evaluations are then subject to review.

FXIFY Accounts

FXIFY offers 13 account sizes across 8 programs, including:

Account Sizes

Traders can choose from the following account sizes:

Both Instant Funding products have no profit target and no evaluation stage. Instant Funding Lite uses a 3% daily limit and a 4% trailing maximum loss, Instant Funding uses 8% for both. Neither scales, neither allows EAs or copy trading, and neither allows weekend holding.

Leverage is up to 1:50 on Instant Funding, Instant Funding Lite, One Phase, Two Phase Standard and Three Phase, and 1:30 on the Lightning Assessment, Two Phase Classic and Two Phase Pro.

The cheapest published $50K account is $249 on the Three Phase, tied with the Lightning Assessment at the same price.

There are no resets and no retries on any FXIFY product. A breached account has to be repurchased, and the only mitigation FXIFY offers is a discounted restart from One Phase.

FXIFY Drawdown

Every FXIFY account carries two limits: a daily loss limit and a maximum loss limit. Breaching either one ends the account.

Both figures are set by program, not by account size. The daily loss limit runs from 3% to 8%, and the maximum loss limit from 4% to 10%.

Daily and Maximum Loss by Program

Trailing or Static

Five of the eight programs use a trailing maximum loss: Instant Funding, Instant Funding Lite, the Lightning Assessment, One Phase and Two Phase Standard. The other three, Two Phase Classic, Two Phase Pro and Three Phase, use a static maximum loss measured from the starting balance.

FXIFY does not publish the exact basis it measures the trailing limit against, so that detail is not published. Check the figure shown in your dashboard before sizing a position.

What Happens on a Breach

The account is invalidated immediately and cannot be traded again, and the fee paid is forfeited. Profits are lost on a hard breach unless the Performance Protect add-on was bought at checkout.

There are no resets and no retries on any FXIFY product. A breached account has to be repurchased. The only mitigation is a discounted restart from One Phase.

Platforms

FXIFY runs on MT4, MT5, DXtrade and TradingView. No other platform is offered.

The broker behind every account is FXPIG. Two price feeds are sold, All-In and Raw, and the feed is chosen at checkout. All-In carries wider spreads and no commission on FX, metals, crypto or indices. Raw carries tighter spreads and $6 per lot on those instruments.

Swap rates are not published as a fixed list anywhere on fxify.com. They are visible only inside the platform, so read them off the instrument before holding a position past the daily rollover.

FXIFY Scaling

Scaling is only available on One Phase, Two Phase Standard and Three Phase. It is explicitly excluded from Instant Funding, Instant Funding Lite, the Lightning Assessment and Two Phase Pro.

How You Qualify

FXIFY's published rule reads: "The trader must achieve a 10% return in the first 3 months, with at least 2 of those months being profitable, in order to scale up by 25%. Subsequent scaling will occur every 3 months. The account balance will double with each scale up. This scale up can be done 4 times."

That one sentence gives two different increases, 25% and a doubling, and the sources do not agree on the ceiling. FXIFY's own worked example applies both in sequence: a $400K account goes to $500K at 3 months, $1M at 6 months, $2M at 9 months and $4M at 12 months. The first step is 25%, the three after it double.

On the number of steps the sources agree: the scale up can be done 4 times. On the ceiling they do not. Propvator's record for FXIFY states scaling can reach a 4x balance, while FXIFY's worked example ends at 10 times the $400K it starts from.

FXIFY FAQ

Which program should I pick?

Eight are sold: Instant Funding Lite, Instant Funding, One Phase, the Lightning Assessment, Two Phase Classic, Two Phase Pro, Two Phase Standard and Three Phase. One Phase, Two Phase Standard and Three Phase are the only three that scale, and the fee is refunded on those plus the Lightning Plan. News trading is unrestricted on every phase account. Two Phase Classic reaches the 100% split when payouts are taken on the 30 day cycle, at the cost of a 25% consistency rule once funded. Lightning is the fastest but has a 5 day maximum, a 30% consistency rule and a 5 minute news blackout. The Instant Funding products skip the evaluation and give up EAs, copy trading, weekend holding and scaling in return.

How long do I have to pass?

Trading days are unlimited on every program except the Lightning Assessment, which caps you at 5 days. The minimum is 4 to 5 trading days depending on the program. Separately, an account is breached for inactivity if no trade is placed for 60 days.

Can I use bots or a trade copier?

EAs are allowed on One Phase, Two Phase and Three Phase, in evaluation and once funded, but only after review and pre-approval by support. They are prohibited on Instant Funding, Instant Funding Lite and the Lightning Plan. Copy trading works between your own FXIFY accounts and out to other accounts, and is not allowed on Instant Funding Lite, Instant Funding, Two Phase Pro or the Lightning Plan. Copying in from a third party needs 30 days of statements with that trader's name on them, approved per account through operations@fxify.com.

How many accounts can I hold?

One profile per person, and one active account per account size across $5K, $10K, $15K, $25K, $50K, $100K, $200K and $400K. Instant Funding is one account at a time, Lightning one active account, and Instant Funding Lite one per balance up to six. Multiple profiles, including a second email address for the same person, are not permitted. Different IPs and devices are allowed but computer ID is monitored, and an account bought by a third party can be terminated.

When do I get paid, and how much of the profit is mine?

The split starts at 80% and reaches 100% on Two Phase Classic taken on the 30 day cycle. First payout is on demand on One Phase, Two Phase Standard and Three Phase once one trade has closed in profit and the 5 minimum trading days are met, then every 30 days, or every 14 with the bi-weekly payout add-on. Two Phase Pro pays every 10 days, both Instant Funding products every 14, and Lightning first at 7 days then every 14.

Minimum payout is $50 on every account and withdrawals are usually processed within 3 business days, reviewed Monday to Friday 9AM to 9PM GMT. Everything is paid through Rise, by bank transfer or cryptocurrency, and the Rise account must use the same email as the FXIFY account. Traders in Iowa, Minnesota, South Carolina, Puerto Rico, Guam and the US Virgin Islands are paid by bank wire instead, and traders in Ukraine are paid in USDC or USDT.

Do I get the fee back?

The fee is refunded in full alongside the first withdrawal on One Phase, Two Phase Standard, Three Phase and the Lightning Plan. It is not refunded on Two Phase Classic, Two Phase Pro, Instant Funding or Instant Funding Lite. A breached account that is not in profit gets nothing back, and no refund is offered once the first trade is placed.

Is news trading restricted?

Not on One Phase, Two Phase or Three Phase, in evaluation or once funded. The Lightning Assessment restricts trading 5 minutes either side of major news in both stages, and the crypto evaluations carry the same window. Both Instant Funding products block trades and orders 5 minutes before and after a high impact release, and invalidate anything opened or closed inside it. General Terms clause 5.4.1.6 also prohibits gap trading when a major scheduled event is due.

What does KYC involve?

Two checks, one with FXIFY through SumSub and one with Rise, completed at the funded stage before you request a payout. You need proof of identity, a national ID or driving licence both sides or a passport, proof of address dated within 3 months in your own name, and a live selfie. Screenshots, scans, mobile phone bills, medical bills, receipts, insurance statements and expired documents are rejected. Failing either check means no onboarding and no payout.