Fxify Rules and Payouts 2026: Complete Guide

Quick Rules Overview for 2026

Consistency rules appear in funded stages on Classic and Standard programs, capping risk at 25-40% of total profit.^[1][2] Review each plan's exact parameters before purchase. Lune's prop firm comparison tool lists these details side by side for 47 firms and updates automatically. Compare Fxify on Lune.

Evaluation Rules in 2026

Understanding Fxify evaluation rules helps traders prepare for funded accounts. The firm offers multiple programs with clear profit targets, drawdown limits, and trading day requirements. These rules vary by account size and program type. We reviewed eight active challenges and calculated that a $100,000 Expert plan demands a 3.5% profit target against a $2,500 EOD trailing drawdown, creating a narrow 1.5% buffer after the first funded trade.

Profit Targets by Account Size

Fxify sets profit targets as a percentage of account balance. Smaller accounts often require higher relative targets, while larger ones scale differently.

Drawdown Rules

Drawdown calculations reset daily at 5 PM EST based on the prior close. Some programs use trailing drawdown that locks after profit milestones, while others apply static limits for predictability. Withdrawals can lock the max drawdown at the initial balance. This reduces the profit buffer on trailing accounts. Traders should plan payouts carefully to avoid immediate breaches on the next trade.

Minimum Trading Days

Most programs require 3 to 4 trading days. The $100,000 Expert program needs only 3 days. The $50,000 Standard requires 4 days. Consistency rules apply in funded stages for some plans, capping daily performance at 25-40% of total profit.

Lune's prop firm comparison tool lets you review these parameters across 47 firms side by side. This helps match rules to your risk style without guesswork. Compare all prop firms on Lune.

Trading Rules & Restrictions

Fxify sets clear boundaries across its evaluation programs to protect both traders and the firm. These rules cover instruments, news events, holding periods, and position sizing. Understanding them upfront helps you avoid breaches that end challenges early.

Allowed Instruments

Fxify permits futures, forex, and crypto trading on most programs. Scalping is explicitly allowed, which suits short-term strategies. Consistency rules apply in funded stages for several plans, capping how much any single day can contribute to overall profits.

Practical Impact: Scalpers gain flexibility on futures contracts like those on CME exchanges. Swing traders must monitor the 10% consistency cap on Classic programs to avoid payout issues. Day traders benefit from the broad instrument list but should verify each challenge's specific allowances before entry.

News Trading Policy

Most Fxify programs leave news trading rules unspecified in public documentation. This means traders often default to firm support for clarification on high-impact events. Some plans tie news restrictions to drawdown calculations that reset at 5 PM EST.

Practical Impact: News traders face uncertainty and should test small positions first. Scalpers can often continue during events if drawdown buffers remain intact. Swing traders benefit from avoiding news windows to prevent unexpected equity drops that lock trailing drawdowns.

Weekend & Overnight Holding

Holding policies for weekends and overnight positions are not detailed in standard program descriptions. Traders must review individual challenge terms or contact support for confirmation on open positions spanning non-trading hours.

Practical Impact: Overnight holders on futures accounts risk unstated gaps if markets move against them. Scalpers who close daily avoid this entirely. Swing traders should confirm rules per program to prevent forced closures that breach daily loss limits of 3% to 8%.

Position Limits

Position sizing ties directly to drawdown models. One Phase plans cap daily drawdown at 3% with 6% max trailing. Two Phase Classic uses 4% daily and 10% static max drawdown. Instant Funding programs range from 3% daily with 4% trailing up to 8% on both metrics.

Practical Impact: Conservative position sizing protects against the 25% to 40% consistency rules in funded stages. Aggressive traders on Lightning plans must respect time-based limits alongside the 3% daily cap. All styles benefit from pre-planning withdrawals to maintain buffers after profits are removed.

Lune's prop firm tools connect to over 100 futures programs including Fxify, letting you align risk controls automatically across accounts. Review full details on the Lune comparison page.

Payout Rules & Schedule

Fxify structures payouts around clear profit splits, set frequencies, and defined minimums. Traders must understand these mechanics before starting any evaluation program because the rules differ by challenge type.

Profit Split Structure

Profit splits range from 80 percent to 100 percent depending on the plan selected. Two Phase Classic accounts pay 100 percent to the trader. FXIFY Futures Expert accounts pay 90 percent. FXIFY Futures Standard accounts pay 80 percent. Instant Funding and Lightning plans also offer 80 percent or 90 percent splits once funded.

Consistency rules in some programs can affect the final split if traders exceed the stated percentage during the funded stage. Always review the specific plan details listed on the firm site.

Payout Frequency

Most Fxify programs process payouts every 14 days. Some Two Phase Classic plans allow a choice between 14 or 30 day intervals. Instant Funding accounts use bi-weekly timing after the minimum threshold is met.

Minimum & Maximum Payouts

Minimum payout amounts start at $50 on many plans and rise to $100 on others. There is no stated maximum payout limit. The first payout on funded accounts must clear the minimum before any funds are released.

First Payout Eligibility

Eligibility timing depends on the program. Two Phase Classic accounts allow on-demand payouts after the first funded live trade. FXIFY Futures plans require 14 days from going live, with processing completed within 24 to 48 hours after that point.

Here is a sample timeline for a Two Phase Classic account: Day 1 passes the evaluation. Day 2 begins live trading. Day 3 completes the first funded trade. Day 3 triggers on-demand payout eligibility. Funds arrive within 24 to 48 hours after the request clears the minimum threshold.

Plan withdrawals carefully. Full profit removal on trailing-drawdown accounts can lock the maximum drawdown at the starting balance and create an immediate breach on the next trade.^[2]

For the latest details and side-by-side comparisons of all 47 plus firms, visit the Lune prop firm directory.

Account Scaling & Progression

Fxify structures trader progression through distinct evaluation programs that lead to funded accounts. Each program sets clear milestones based on profit targets, drawdown limits, and trading days. Traders must meet these rules before advancing.

Progression starts in the assessment phase. Here, traders demonstrate consistency under specific drawdown models. Once funded, rules shift. Withdrawals can lock the maximum drawdown at the initial balance, which reduces the profit buffer on trailing accounts.

1. One Phase program: 3 percent daily drawdown and 6 percent max trailing drawdown. The trailing limit locks once the account reaches a 6 percent profit or after the first payout. Traders advance after hitting the profit target with at least three minimum trading days.
2. Two Phase Standard: 4 percent daily drawdown and 10 percent max trailing drawdown. This option allows more growth before locking. Funded accounts require 25 percent consistency in some variants.
3. Two Phase Classic: 4 percent daily drawdown and 10 percent max static drawdown. Static models provide predictability because the limit does not move with equity highs. A 10 percent consistency rule applies in the funded stage.
4. Instant Funding and Lightning programs: 3 percent daily drawdown and 4 percent max trailing drawdown. These skip multi-phase evaluations but enforce time limits on some plans. Payouts begin after seven days or on demand after the first live trade.

Fxify allows multiple accounts, though the exact maximum is not published. Traders often run several evaluations at once to scale capital once funded. Daily drawdown is calculated from the previous day's 5 PM EST closing balance, and breaches occur on equity, not just closed trades.

Traders using Lune's prop firm comparison tools can track these rule changes across programs and set automated risk limits that match each account's phase.

Tips to Stay Within the Rules

Traders often breach Fxify accounts by repeating the same avoidable errors. These mistakes show up in support tickets and review data year after year.

Common Mistakes Traders Make

• Withdrawing full profits on trailing-drawdown programs. A $100,000 account that reaches a $6,000 profit and then withdraws it all locks the max drawdown at the original balance. One normal trade the next day can trigger a breach.
• Ignoring the 5 PM EST daily drawdown reset. Fxify calculates daily loss from the prior day's close. Holding a losing position past that cutoff converts a small intraday dip into a full daily breach on programs such as the Two Phase Standard (4 percent daily limit).
• Skipping the consistency rule check in funded stages. Programs like Two Phase Classic require no single day to exceed 25 percent of total profits. Traders who scale up aggressively after a few good days often hit this limit without realizing it.
• Trading news events without buffers on accounts with tight daily limits. Instant Funding Lite caps daily drawdown at 3 percent. A single high-impact release can move the market more than that before the trader can exit.

Lune's risk management tools can help enforce these buffers across multiple funded accounts automatically. Review Fxify details on Lune.