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Full comparisonWhitePips vs Instant FundingThe written analysis: where each one wins, who each fits best and FAQs.Read the comparison 55 differences
Sharjah, United Arab Emirates
Top floor, Rodney Court Building, Rodney Bay, Gros Islet, Saint Lucia
Lewis Mansbridge
Saint Lucia
Saint Lucia
2026
2021
Liquidity Provider
Prime 1 Step and Prime 2 Step only: the fee is refunded in full once the account has been funded for 30 days and is in profit. Edge and Instant have no refund.
No fixed fee published. Any processing or network fee is shown before you confirm; bank and network charges are paid by the trader.
First payout on demand once funded (on Instant, after the first trade). Then every 7 days; every 14 on Instant Go.
IF Evolve
On-demand payouts once the funded-stage eligibility requirements are met.
Instant Funding Pro
First withdrawal after 14 days from your first trade; then every 7 days after each new trade.
Instant Funding Lite
First withdrawal after 14 days from your first trade; then every 7 days after each new trade. Minimum withdrawal: $25.
Instant Funding Micro, One-Phase Micro, Two-Phase Micro, One-Phase & Two-Phase
On-Demand Payouts, withdraw anytime once eligible.
IF Micro Clarity
On-demand payouts, withdraw anytime once eligible.
One-Phase Clarity
First payout on-demand once the 1.5% minimum is reached; then every 7 days.
Instant Funding Clarity
First withdrawal after 14 days from your first trade; then every 7 days after each new trade.
IF Micro Lite
Payouts every 14 days once eligible; Smart Drawdown must be locked.
No guaranteed time: the payout policy neither promises nor estimates one. Every request gets an automatic receipt and every payout a verifiable certificate.
Only with the Weekend Holding add-on. Without it, crypto positions are also closed at 4:45 PM New York time on Friday.
At most $2,000 per account in any 7 days; the rest stays on the account for the next request.
IF Evolve
- Maximum 50% of account profit per payout
- Maximum $2,000 per request
- Maximum 5 payouts per account
Edge 1 Step and Prime 1 Step: 1% of the starting balance, at most $100. Edge 2 Step and Prime 2 Step: no minimum. Instant: 1% of the starting balance. Crypto payouts: at least $100.
IF Evolve
- $250
Other accounts
- $25
IF Micro Lite
- Net profit of at least 5% of starting balance, before profit split.
Edge 1 Step, Edge 2 Step and Prime 2 Step: 1:100. Prime 1 Step: 1:50. Instant Pro: 1:33. Instant Go: 1:25.
IF Evolve
- 30:1
Other accounts
- 100:1 (30:1 with news trading add-on)
IF Micro Lite
- 30:1
Edge 1 Step, Edge 2 Step and Prime 2 Step: 1:100. Prime 1 Step: 1:50. Instant Pro: 1:33. Instant Go: 1:25.
20:1 (8:1 with news trading add-on)
IF Micro Lite
- 5:1
Edge 1 Step, Edge 2 Step and Prime 2 Step: 1:100. Prime 1 Step: 1:50. Instant Pro: 1:33. Instant Go: 1:25.
20:1 (8:1 with news trading add-on)
Edge 1 Step, Edge 2 Step and Prime 2 Step: 1:100. Prime 1 Step: 1:50. Instant Pro: 1:33. Instant Go: 1:25.
20:1 (8:1 with news trading add-on)
Edge 1 Step, Edge 2 Step and Prime 2 Step: 1:100. Prime 1 Step: 1:50. Instant Pro: 1:33. Instant Go: 1:25.
2:1 (1:1 with news trading add-on)
Edge and Instant: $5 per lot round turn. Prime: $4.
Edge and Instant: $6 per lot round turn. Prime: $5.
Edge and Instant: 0.06% of the trade value, round turn. Prime: 0.045%.
Paid add-on with a fixed price per size, from $9 (2.5K) to $146 (200K). Reviewed if profit comes mainly from positions held through the rollover.
Voluntary evaluation reset with no open positions: a new account at 20% off the current price. After a breach, a paid restart for 7 days. Funded accounts can buy a reset while under 10% of the max loss has been used.
Accounts can't be reset. After a breach, traders must purchase a new account.
Weekend Holding (20% of the fee) and Swap-Free (fixed price per size). Bought with the account and non-refundable.
Allow major news trading and weekend holding
Add 10% to profit split
+5% Best Day (IF Micro up to $50,000): raises Best Day limit from 15% to 20%
Extended 48-hour trading window (IF1 only)
Increased best trade limit of 20% (IF1 only)
IF Micro Lite: +10% profit split (90%).
Automatic 90-day cycles: +30% size (up to 680K; 340K on Instant) and +5 split points. They require 50 trades, 12% net (1 Step), 10% (2 Step) or 15% (Instant), 2 of 3 profitable months (all 3 on Instant and Prime), no trade above 7.5% of profit (5% on Instant and Prime) and no warning.
Challenge Accounts + Instant Funding Micro + IF Micro Clarity + One-Phase Clarity
+25% to starting balance every 90 days with 10% profit, up to 2× the original account size.
Instant Funding Pro & Instant Funding Lite
- Instantly double your account when you reach 10% profit (up to $1,280,000).
- You keep all profit except 5% of starting balance used for scaling.
IF Micro Lite
- +25% to starting balance every 90 days with 10% profit, up to twice the original account size.
Static on every plan: the floor stays fixed below the starting balance and is measured on equity, floating loss included. Touching it ends the account.
IF Evolve
- End-of-Day trailing drawdown. It updates at 17:00 EST from the highest recorded end-of-day balance, only moves upward, and locks permanently at the starting balance.
Instant Funding Pro, Instant Funding Lite & Instant Funding Clarity
- Smart Drawdown. Starts at -10% and shifts to -5% once you gain 5%. After that, the drawdown stays fixed at -5% of your starting balance, no matter how much you profit.
IF Micro Clarity & One-Phase Clarity
- 6% trailing drawdown of the starting balance. Trails off closed trades only and never decreases.
Rest of accounts
- Static
IF Micro Lite
- Smart Drawdown locks permanently at -3% of starting balance after a 3% gain in closed-trade balance.
Edge rises 5 points per scaling cycle up to 95%; Instant Pro up to 90%; Instant Go up to 85%. Prime moves to 100% after 30 days funded and does not rise with scaling. Each strike pays the next payout at 10%.
Instant Funding Pro, Instant Funding Lite, Instant Funding Micro, One Phase, One Phase Micro, Two Phase, Two-Phase Micro, IF Micro Clarity, One-Phase Clarity, Instant Funding Clarity
- 80%
IF1
- 90%
One-Phase, Two-Phase, and Two-Phase Micro Challenges
- Trade for at least 3 months and achieve a profit of 10% or more
- Contact support to request a review of your results
- Once verified, your profit split will be increased to 90%
Clarity (Micro Clarity, One-Phase Clarity, Instant Funding Clarity)
- Up to 90% with the +10% profit split add-on
One free Edge 1 Step 100K for 14 days under the paid rules, after KYC approval. It never funds or pays out; passing it gives a 20% code valid for 30 days.
Measured from the previous day's closing balance (5 PM New York), floating loss included. Touching it ends the account.
IF Evolve
- No Daily Loss limit during either the Challenge or Funded stage.
Instant Funding Pro
- No daily loss limit.
Instant Funding Lite
- Recalculated at 17:00 EST on the higher of balance or equity. Breaching the daily limit closes the account.
IF Micro Clarity
- 3% of account value/day. Daily reset at 17:00 EST, recalculated on the higher of balance or equity.
One-Phase Clarity
- 4% of account value/day. Daily reset at 17:00 EST, recalculated on the higher of balance or equity.
Instant Funding Clarity
- No daily drawdown
IF Micro Lite
- Recalculated at 17:00 EST on the higher of balance or equity. Breaching the daily limit closes the account.
$1.5M per person across all CFD and futures accounts.
$1,000,000 combined starting balance across all programs, including IF Micro Lite. Scaled balances do not count toward this cap.
One user per person, with as many accounts as the $1.5M limit allows. Up to 5 accounts per order, with a 10% to 25% bundle discount.
IF Evolve
- Up to 5 active Evolve accounts at the same time
No time limit in the evaluation or once funded.
- IF1: 24 hours
- IF Micro Clarity & One-Phase Clarity: Unlimited
- Rest of accounts (including Instant Funding Lite): Unlimited
Instant Funding Pro, Instant Funding Lite, Instant Funding Micro, IF1, IF Micro Clarity, One-Phase Clarity: No minimum
One Phase, One Phase Micro, Two Phase, Two-Phase Micro: 3 days
IF Micro Lite: No minimum
- You earn 1 point for every $1 spent and you can use points to obtain promotional codes with discounts up to 50%.
- You earn 10% of the final value (after discounts) in points for every purchase.
Profitable day: a close at +0.5% of the account size. To pass, 3 on 1 Step and 2 per phase on 2 Step. Before each payout: 3 (1 Step), 2 (2 Step), 5 (Instant Go) and none on Instant Pro.
IF Evolve
- 5 profitable days of at least 0.25% to pass the Challenge
- Another 5 qualifying days are required for each funded payout
IF Micro Clarity
- 5 profitable trading days per payout cycle, each generating at least 0.5% profit. The count resets after every successful payout.
Only EAs the trader developed and controls, and can explain and show running. Bought, rented or subscription bots are prohibited.
Hiding your location with a VPN, proxy or remote desktop is prohibited and triggers a new identity check. Your own EA on a VPS is allowed if disclosed.
Within one account, yes. Prohibited across accounts, yours or others', and against other firms or brokers.
Yes. Once funded, trades under 120 seconds may make at most 20% of profit from the tenth closed trade; above that, payouts pause until it is back under. Not measured in the evaluation.
Scalping is permitted, but not HFT. HFT includes trades held under 60 seconds or a high number of trades per hour.
Violations
- 1-2: Warning + profit deduction
- 3: Account breach
Grid and martingale strategies that add exposure into losses are prohibited.
One-Phase, Two-Phase, IF Micro
Martingale is fully permitted. You can add to losing positions and increase lot sizes without restriction.
Instant Funding Pro
Adding to losing positions is allowed, but repeatedly doubling lot sizes after losses is not permitted.
Max. Exposure: open notional may not exceed 5,000% of the balance at 2.5K down to 1,000% at 200K. Once funded, no trade may float more than 2% of the starting balance in loss (1.5% on Instant). Each gives a warning that, if the account is in profit, resets it to the starting balance; the second ends the account. Instant: max 1.5% floating loss per symbol.
Maximum Lot Rule: Full list here
Maximum risk per trade idea , funded accounts
- General limit: 50% of the account's starting daily drawdown.
- Instant Funding Pro: 3% of the starting balance.
- Instant Funding Lite and One-Phase Crypto: 2%.
- IF Micro, IF Micro Crypto and IF1: 1%.
- Two-Phase Micro: 2% on accounts up to $50,000 and 1.5% on accounts of $100,000 or more.
Clarity accounts (IF Micro Clarity, One-Phase Clarity)
- No maximum-risk-per-position rule. Instead, a circuit breaker closes all positions if unrealised losses exceed 1.5% (IF Micro Clarity) or 2% (One-Phase Clarity) of the starting balance. The first breach reduces the profit split to 50%; the second closes the account.
IF Micro Lite
- Floating losses exceeding 1% of starting balance close all positions and trigger a strike. Account Drawdown and news-window violations share one strike pool: first strike reduces profit split to 50%; second closes the account.
Only to copy your own trading: between your own CFD accounts or from your own master account at another broker or firm. Signals and third-party accounts are prohibited.
Allowed at every stage. Straddling is prohibited: opposite or offsetting positions on the same or correlated instruments within 15 minutes of a red or amber release; the risk desk reviews it.
IF Evolve
News trading is allowed during both the Challenge and Funded stages.
Challenge accounts
One-Phase, Two-Phase → free news trading.
Micro accounts
IF Micro, IF1, One-Phase Micro, Two-Phase Micro → news trading allowed.
Clarity accounts
IF Micro Clarity, One-Phase Clarity → news trading included by default (no add-on required). Straddling prohibited on One-Phase Clarity.
Funded accounts
Instant Funding Pro, Instant Funding Lite, Instant Funding Clarity, One-Phase, Two-Phase → news trading only with the Major News Trading add-on. Two-Phase Micro has news trading enabled by default.
News restriction window
Blocks market orders, pending limit orders, and TP/SL triggers on affected instruments:
- Funded accounts: 4 min before + 4 min after news (8 min total).
Warning system (funded accounts: One-Phase, Two-Phase, Instant Funding Pro, Instant Funding Lite)
- Up to 2 warnings with profit deductions for trades made inside the restriction window.
- 3rd violation = account breach.
- Profit deductions don't affect daily drawdown, but overall drawdown adjustments still apply.
IF Micro Lite
- Trading on affected instruments is prohibited within 4 minutes before and after major news. Violations count toward the shared strike pool described under maximum risk.
30 days without a closed trade ends the account.
60 days
No best-day rule. A single trade may not exceed 60% of profit; if it does, payouts pause until it is back under. On funded Prime, every 7 days the trade count and volume per instrument must stay within ±25% of the average, or the account moves to a standard funded account.
No payout consistency rule
- Instant Funding Pro and Instant Funding Lite
- One-Phase Clarity and Instant Funding Clarity
Best-day / best-trade rule for payouts
IF Evolve: the best trading day must not exceed 40% of total profit during both the Challenge and Funded stages.
IF Micro, IF Micro Crypto, One-Phase Micro and Two-Phase Micro: the best trading day must not exceed 15% of total profit.
IF1: the most profitable trade must not exceed 15% of total profit.
IF Micro with the +5% Best Day add-on: 20%.
One-Phase and Two-Phase: the best trading day must not exceed 40% of total profit.
IF Micro Clarity: the best trading day must not exceed 20% of total profit.
IF Micro Lite: best trading day at most 15% of total profit for payout eligibility.
Only with the add-on. Without it, positions are closed at 4:45 PM New York time on Friday: the first time is a warning, the second ends the account.
IF Evolve: Overnight and weekend holding are not permitted. All positions close automatically at 17:00 EST.
Instant Funding Pro, Instant Funding Lite: Only allowed with add-on
IF Micro, IF1, Two-Phase Micro: Allowed without restrictions
IF Micro Clarity, One-Phase Clarity: Allowed without restrictions, no add-on required
One Phase, Two Phase: Allowed during evaluation, and during funded phase with add-on
IF Micro Lite: Weekend holding is not permitted.
Latency or price-error arbitrage, hedging across accounts or firms, coordinated trading, third-party management, bought bots, gap exploitation, grid and martingale, doubling size after a loss the same day, swap-free abuse and churning accounts. At most 20% of profit may come from the 21:00 to 22:59 UTC window.
- Latency Arbitrage
- Tick Scalping
- Account Arbitrage
- Exploiting platform glitches
- Reverse Trading
- Group Hedging
- Group Copying
- Account Management
- High-Frequency Trading (HFT)
- Third-Party EAs
- Account Churning (Rolling)
- One-Sided Bets
- Grid Trading
- Overleveraging
- Gambling

















