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Comparison · Forex

Long-term capital growth with Atlas Funded and FXIFY

Choosing between Atlas Funded and FXIFY requires looking beyond the initial challenge price. While both firms offer paths to professional capital, their trajectories differ significantly depending on whether you prioritize platform flexibility, rapid payouts, or the ultimate capital ceiling.

Updated on

Day one

On the first day, the barrier to entry and the technical environment define the experience. Atlas Funded, established in 2024, focuses on a modern multi-platform approach, while FXIFY (2023) leverages established broker relationships like FXPIG.

  • Entry Price: Atlas Funded offers the "Access" program with a symbolic $5 entry fee (plus a funded activation fee later), making it the most accessible starting point. FXIFY’s entry-level "Lightning" 10k account costs $59, while their standard 10k "Two Phase Classic" is $89.
  • Platforms: FXIFY provides a broader range of industry-standard tools including MetaTrader 4, MetaTrader 5, DXTrade, and TradingView. Atlas Funded limits its selection to MetaTrader 5, TradeLocker, and MatchTrader.
  • Initial Rules: Both firms allow EAs, but FXIFY has specific restrictions on Lightning and Instant accounts. Atlas Funded requires KYC even for its $1,000 free trial.
  • Assets: FXIFY allows trading Stocks (2:1 leverage on Pro), which Atlas Funded does not include in its Forex, Indices, Metals, Energies, and Crypto catalog.

The first months

As you move into the funded phase, the focus shifts to risk management and the speed of realizing profits.

  • Payout Frequency: Atlas Funded offers a standard 14-day cycle, but through its "Pro" plan and add-ons, it can reach daily or "On-Demand" (immediate) payouts. FXIFY Pro accounts allow withdrawals every 10 days, while its standard programs are monthly (bi-weekly with an add-on).
  • Risk Management: Atlas Funded uses a "Static" drawdown for its step-based evaluations, but "Trailing" for Instant and Access plans. FXIFY offers a mix: "Two Phase Classic" is static, while "One Phase" and "Two Phase Standard" use trailing drawdowns.
  • Atlas Protector vs. Performance Protect: Atlas Funded features an automatic "Atlas Protector" that triggers at a 2% loss of initial balance, closing positions and cutting the profit split to 50% to prevent account loss. FXIFY offers an optional "Performance Protect" add-on that allows requesting a payout even after a drawdown breach if there are remaining gains.
  • Profit Split: Both firms start around 75%–90%. Atlas Funded allows reaching a 100% split via add-ons.

The first year

For a trader staying for a full year, the loyalty programs and scaling potential become the primary engines of growth.

  • Scaling Requirements:
    • Atlas Funded: Requires consistent performance. While they allow exceeding the standard allocation through internal documentation, they do not publish fixed percentage growth thresholds.
    • FXIFY: Available only on standard programs. Instant Funding, Lightning, and 2 Phase Pro are explicitly excluded from scaling.
  • Reward Systems: Atlas Funded uses a VIP rank system (26 ranks) where traders earn XP for tasks and payouts, unlocking "Atlas Packs" with random prizes like resets or discounts. FXIFY uses a "Hub" system where traders earn Coins and XP to redeem for challenge vouchers or merchandise.
  • Account Growth: FXIFY allows up to $800,000 in standard allocation. Atlas Funded limits standard allocation to $400,000, although they mention the possibility of exceeding this through performance reviews.

The ceiling

The ultimate "ceiling" is where FXIFY shows its strength in size, while Atlas Funded focuses on payout flexibility.

  • Maximum Allocation: FXIFY offers a clear path to $800,000. Atlas Funded stops at $400,000 for standard users.
  • Merging Accounts: FXIFY does not allow merging accounts. Atlas Funded allows multiple accounts within the total allocation limit but does not explicitly detail a merge feature in the provided data.
  • Withdrawal Caps: FXIFY’s "2 Phase Pro" imposes a cap on the first two withdrawals (5% of initial balance or $8,000). Atlas Funded’s "Instant Zero" has a buffer requirement of 3% and specific table limits for the first three payouts.
  • Trading Style Limitations: Atlas Funded enforces a 3-minute minimum hold time for scalping on funded accounts and a 5-minute news trading window. FXIFY Pro allows news trading without these specific time-based profit deductions.

Room to grow

FXIFY is the destination for traders who want to manage the largest possible capital ($800k) and require TradingView or MT4 integration. Their "Pro" plan is efficient for those who can handle the initial withdrawal caps in exchange for a 10-day payout cycle.

Atlas Funded offers a more "gamified" and flexible long-term journey. The ability to reach a 100% profit split and the "On-Demand" payout add-ons make it superior for traders who prioritize cash flow over absolute account size. However, the lack of transparency in exact scaling thresholds and the lower $400k standard limit may feel restrictive for those aiming for institutional-level capital.

Frequently asked questions

Which firm is cheaper to start a challenge, Atlas Funded or FXIFY?

Atlas Funded is significantly cheaper for entry-level traders through its "Access" program, which requires only a $5 initial fee to start the evaluation. In contrast, FXIFY’s most affordable option is the "Lightning" account starting at $59, or the "Two Phase Classic" 5k account at $59.

Which firm offers faster payouts, Atlas Funded or FXIFY?

Atlas Funded offers the fastest potential payouts through its "Pro" plan (daily payouts) or "On-Demand" add-on (immediate). FXIFY’s fastest regular schedule is every 10 days on the "Two Phase Pro" plan, while its standard accounts are monthly or bi-weekly with an add-on.

Between Atlas Funded and FXIFY, which one has a higher capital limit?

FXIFY has a higher maximum allocation limit of $800,000 for standard accounts. Atlas Funded limits its standard total allocation to $400,000, although they state that traders with consistent performance can exceed this through manual review.

Does Atlas Funded or FXIFY provide better platform support?

FXIFY provides better platform support by offering MetaTrader 4, MetaTrader 5, DXTrade, and TradingView. Atlas Funded is more limited, offering MetaTrader 5, TradeLocker, and MatchTrader, but lacks support for TradingView and the legacy MT4 platform.

Field by field

Atlas Funded and FXIFY, side by side

Rules, plans, platforms, leverage, commissions and payouts of both, with the option to see only what differs.

Head to head

61 differences

50%off · Exclusive
40%off
Headquarters

Ground Floor, The Sotheby Building, Rodney Village, Rodney Bay, Gros-Islet, Saint Lucia

1-13(A), First Floor, Paragon, Jalan Tun Mustapha, 87009 Labuan

CEO

Lucas Antonio

Peter Brown y David Bhidey

Country

Saint Lucia

Malaysia

Foundation

2024

2023

Banned Countries
No data
Zimbabwe, Iran, Iraq, North Korea, Somalia, Vietnam, Belarus, Burundi, Central African Republic, Ivory Coast, Liberia, Libya, Sudan, Cuba, Syria, Afghanistan, Yemen, Palestine, Myanmar, Nicaragua, Congo Republic, Crimea, Democratic Republic of Congo, Eritrea, Guinea, Guinea-Bissau, Papua New Guinea, South Sudan, Vanuatu, Venezuela, Algeria, Russia, Kenya, Ghana, Haiti
Assets
Forex, Indices, Metals, Energies, Crypto
Forex, Indices, Commodities, Stocks
Refund
Yes

First Access order: the entry fee is credited in full as Atlas Balance, not cash back to a card. Otherwise, the challenge fee is returned as Atlas Balance on that account's third consecutive payout. Add-ons excluded. Access activation fee excluded.

Limited

1, 2 and 3 Phase purchase fees can be reimbursed with the first payout on request. 2 Phase Pro does not include a fee refund alongside withdrawals.

Platforms
MetaTrader 5, TradeLocker, MatchTrader
Metatrader 4, Metatrader 5, DXTrade, Tradingview
Payout Methods
Rise, USDT ERC20, Atlas Balance
Rise, Transfer, Crypto
Payment Methods
Credit Card, Apple Pay, Google Pay, Crypto, Atlas Balance
Card, Crypto
Payout Frequency

1-Step, 2-Step, Pro and 3-Step: first payout after 14 days, then every 14. Access: first after 28 days, then every 14. Instant Funded and Instant Zero purchased from 17 October 2026: first after 14 days, then every 14; Weekly add-on: first after 7 days, then every 7. Earlier Instant accounts: first after 28 days, then every 14; Weekly: first after 14 days, then every 7. Weekly on other eligible plans: first after 14 days, then every 7. On-Demand: first immediately, then every 14. Daily Payouts on Pro: daily.

  • 1, 2 and 3 Phase: first payout on demand after the minimum trading days; then monthly, or bi-weekly with add-on.
  • 2 Phase Classic: 14 or 30 days depending on payout configuration.
  • 2 Phase Pro: withdrawals every 10 days after meeting the payout criteria.
  • Instant Funding: instant/regular payout structure according to the instant account rules.
  • Lightning: first payout criteria are plan-specific, then every 14 days.
Payout Guarantee

First payout: 24 working hours; subsequent payouts: 48. Working hours: Monday-Friday, 09:00-17:00 BST. Late payment: $500 with that payout and $500 with the next. Giveaway and collaborator accounts excluded.

No data
Crypto Weekend Trading
No
No data
Maximum Withdrawal

Instant Zero: buffer of 3% of account size. The table limit applies to each of the first three payouts. Other plans: up to available profit; Daily Payouts adds its own conditions.

Plan-specific. 2 Phase Pro caps the first two withdrawals at 5% of initial balance or $8,000, then has no cap.

Minimum Withdrawal

Profit required to request: $50 on 1-Step Pro and 2-Step Pro; $100 on other programs. No additional minimum on the chosen withdrawal amount.

$50

Brokers
No data
FXPIG
Demo Account
No data
Metatrader 4 All-In
ID12007232PasswordzuPt1OOServerFXPIG-Demo
Metatrader 4 Raw
ID625908Password!o5iCgMrServerFXPIG-DEMO
Metatrader 5 All-In
ID2100170634Password!llo7nWiServerFXPIG-Server
Metatrader 5 Raw
ID2100139002Password+yTuU6RzServerFXPIG-Server
Forex
100:1

Standard leverage is 30:1. Eligible traders can increase leverage to 50:1 at checkout for FX.

Metals

Varies by symbol and platform; check the instrument specifications.

Gold and metals follow the 30:1 standard structure, with eligible checkout upgrade to 50:1 for Gold and Silver. 2 Phase Pro lists Forex & Gold at 30:1.

Energies

Varies by symbol and platform; check the instrument specifications.

Oil leverage is 5:1 on 2 Phase Pro.

Indices

Varies by symbol and platform; check the instrument specifications.

Indices leverage is 10:1 on 2 Phase Pro.

Crypto

Varies by symbol and platform; check the instrument specifications.

No data
Stocks
No data

Stocks leverage is 2:1 on 2 Phase Pro.

Forex
No data
0
Metals
No data
0
Indices
No data
0
Stocks
No data
0
Commission-Free Option
No data
Yes

All-In feed is commission-free for FX, metals and indices; stock CFDs carry 0.35% round-turn. Raw feed has tighter spreads and $6/lot on FX, indices and metals.

Swap Free
No data
No
Account Reset
Yes

Fresh account in the same phase, retaining passed phases. Offer available for 7 days after a breach. Price depends on the plan and phase.

Plan-specific. 2 Phase Pro does not offer resets or retries; traders must purchase another challenge.

Add-ons
Yes

Weekly, On-Demand, Daily Payouts, no minimum days and 100% split, depending on plan. Individual add-ons: +20%; Daily: +25%; bundle: +45%. Daily Pro: 2% buffer and 3% cap per payout for the first three.

Limited

Eligible accounts can use checkout customizations such as increased leverage, increased performance split, bi-weekly payouts and Performance Protect. 2 Phase Pro has no add-ons.

Instant
Yes
Yes
One Step
Yes
Yes

One Phase and Lightning are one-step style programs.

Account scaling
Yes

Scaling for consistent performance without a new evaluation. Documentation allows exceeding the standard allocation but does not publish exact thresholds.

Limited

Scaling is available on eligible standard programs, but Instant Funding, Lightning and 2 Phase Pro are excluded.

Two Steps
Yes
Yes
  • Two Phase Classic: static drawdown
  • Two Phase Standard: trailing drawdown
  • Two Phase Pro: static drawdown, no add-ons and no scaling
Max Drawdown

1/2/3-Step: static. Instant: trailing closed balance, updated at 00:00 UTC; does not lock at starting balance. Access: trailing equity, including floating profit. After withdrawal, recalculated from the new balance, except Pro, where the original floor remains.

  • 1 Phase: trailing drawdown that locks at starting balance.
  • 2 Phase Classic and 3 Phase: static drawdown.
  • 2 Phase Standard: trailing drawdown.
  • 2 Phase Pro: static 8% drawdown based on initial balance.
  • Lightning: plan-specific drawdown rules.
Profit Split

100% with add-on. First Atlas Protector trigger: 50% for the account's remaining life. First On-Demand payout: 50% for that payout only.

Up to 90% on most eligible accounts through add-ons. Two Phase Classic page shows up to 100%. Educational Course and some special programs may differ.

Free Trial
Yes

Website offers a free $1,000 simulated trial, one per verified person; KYC required.

No
Daily Drawdown

Resets at 00:00 UTC from equity. Standard plans subtract a fixed amount based on account size; Instant and Access subtract a percentage of equity at reset. Intraday profit does not raise the daily floor.

Daily loss is generally calculated from the previous day's 5 PM EST balance. 2 Phase Pro uses a 4% daily drawdown and treats a daily loss breach as a hard breach.

Three Steps
Yes
Yes
Max Allocation
400,000

Up to $800,000 on standard FXIFY accounts. 2 Phase Pro has a separate maximum allocation of $785,000, one active account per account size.

Maximum Accounts

Multiple accounts allowed within the total allocation limit.

No data
Maximum Trading Days

No evaluation deadline. Access: activate within 30 days after passing.

Most programs have unlimited time. Lightning has a short challenge window. 2 Phase Pro has no specific time window to complete the profit targets.

Minimum Trading Days

Evaluation: 3 days per phase on 1/2/3-Step; no minimum on Pro and Access. Funded per cycle: 5 on 1/2-Step and Instant; 3 on Pro, 3-Step and Access.

  • 1 Phase: 5 days
  • 2 Phase Classic: 4 days
  • 2 Phase Pro: 3 days to pass; 10 trading days to request payout
  • 3 Phase: 5 days
  • Instant Lite: 10 days
  • Lightning: 3 days
Points Reward Program

Atlas Balance for purchases, resets and add-ons; cannot be withdrawn as cash. VIP: 26 ranks across 8 tiers, from Bronze to Atlas Black. XP from purchases, payouts, funded trading, tasks and achievements. Rank-up rewards: Balance and Atlas Packs, unlocked after the first paid order. Rank-based cashback: 3%-10%; bonus for payouts taken as Atlas Balance: 10%-25%. Spending Balance or trading losses do not lower rank; reversed payouts remove their XP.

Atlas Packs: one random prize per pack, with published odds. Available through paid orders, rank-ups or Atlas Balance. Prizes include challenges, resets, add-ons, discounts, Balance, XP and packs.

Access: every account includes an Access Pack with a discount on that account's funded activation fee, up to full coverage. Pack reward and promo code cannot both reduce the funded fee.

FXIFY Rewards:

  • Earn Coins and XP through purchases, trading milestones, badges and Hub activities.
  • Coins: redeem for challenge vouchers, raffle tickets and merchandise.
  • XP: leaderboard ranking and prizes; cannot be spent.
  • Access the Hub with your existing FXIFY account.
  • Does not change your account's trading conditions.
Monthly Competition
Yes

Free monthly competition; simulated account prizes. Registration follows the official schedule.

Yes
Minimum Profitable Days

Funded: 1/2-Step: each day must close at least +0.5%; Instant: +1%; Access: +0.5%. Pro and 3-Step: day with a closed trade, no minimum daily profit. Counter resets after each payout.

Plan-specific. Instant Lite has 5 minimum profitable days. 2 Phase Pro trading days require at least 0.5% profit based on initial balance.

Profit After Breach
No data

Performance Protect is an optional add-on on eligible accounts. It allows traders with remaining gains to request a payout after a drawdown breach, based on the agreed performance split. It is not available on 2 Phase Pro.

Merge Accounts
No data
No
Expert Advisor (EA)
Yes
Limited

EAs are allowed on standard accounts and 2 Phase Pro. Lightning, Instant and Educational Course accounts have restrictions.

VPN
Limited

Must not conceal location or identity. Give advance notice of locations inconsistent with registration.

No
Hedging
Limited

Allowed within one account. Prohibited across accounts, brokers or firms.

Yes
Requires Stop Loss
No
Limited

Lightning requires stop loss. Other plans are plan-specific.

Scalping
Limited

On funded accounts, profits from trades held under 3 minutes are deducted. Losses remain; the deduction does not close the account.

Yes
Stacking / Layering (DCA)
No
Yes
Martingale
No
No data
Maximum Risk Limit
Yes

Funded: the greater of net floating loss and the sum of losing positions, at 2% of initial balance, trigger Atlas Protector. First trigger: positions closed and split cut to 50%; second: account closed. Using 80% of margin closes positions and deducts their profits. Risk per instrument limited to 50% of the daily limit where applicable.

No
Copy Trading
Limited

Only between your own Atlas accounts; copying other traders or external accounts is prohibited.

Limited

Copy trading can be allowed on eligible accounts with proof of the master account, but it is not allowed on 2 Phase Pro or Lightning.

News Trading
Limited

Unrestricted during evaluation. On funded accounts, profits from trades opened or closed within 5 minutes before or after high-impact news are deducted. Entries inside the window are closed automatically; holding through the entire window is allowed.

Limited

Most standard accounts allow news trading. Lightning has restrictions around major news. 2 Phase Pro allows news trading.

Inactivity Rule

Open a trade at least every 30 days; failing closes the account. Instant Zero has no inactivity limit.

60 calendar days without trading can trigger inactivity breach on relevant accounts, including 2 Phase Pro.

Consistency Rule
Limited

Instant Funded: best day at most 20% of cycle profit. No consistency on Access, Zero, 1/2/3-Step or Pro, according to checkout.

Limited

Consistency rules are plan-specific. Lightning and Instant Lite include consistency requirements; 2 Phase Pro uses a trading-day qualification rule of 0.5% profit on initial balance.

Hold Weekend
Yes
Limited

Standard evaluation accounts generally allow weekend holding. Instant Funding accounts have restrictions. 2 Phase Pro allows weekend holding.

Prohibited Strategies

Latency or tick arbitrage, exploiting prices or bugs, order flooding, hedging across accounts or firms, account sharing and passing services. Multiple locations must not hide who trades. Gambling, martingale and manipulating evaluations are prohibited.

  • High-Frequency Trading (HFT)
  • Reverse and group hedging
  • Account management
  • Latency arbitrage
  • Order book spamming
  • Herd trading and collusion
  • Exploiting bugs and glitches
  • High leverage news trading
  • Statistical arbitrage
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