Getting paid at FXIFY and Fundex

World Trade Center 200-B, Suite 306, Calle 53 Este, Marbella, Panama City

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

Panama

Malaysia

2025

2023

Peter Brown y David Bhidey

Pure Market for CFDs. Bitunix provides the market conditions and pricing for crypto perpetuals traded through Fundex Terminal.

Fees are non-refundable once the account is created and access is granted. If payment is taken but no account is delivered, Fundex reviews the case individually.

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. Crypto programs do not either.

On demand, with no fixed windows, waiting periods or limit on request frequency. Fundex states that most requests are processed within 60 minutes and all within a maximum of 24 hours, including weekends and public holidays.

• 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.
• Crypto programs: every 14 days; Crypto Standard can also choose monthly payouts.

No published maximum.

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

$50

$50. Crypto accounts: $50 to $750 depending on size on one of the two plans; FXIFY contradicts itself on which.

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

CFDs: up to 20:1. Fundex Terminal: 1:1 or 2:1, depending on the instrument.

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.

Oil leverage is 5:1 on 2 Phase Pro.

Indices leverage is 10:1 on 2 Phase Pro.

Stocks leverage is 2:1 on 2 Phase Pro.

Up to 4:1 on BTCUSDT and ETHUSDT; up to 2:1 on other cryptocurrencies, with some instruments limited to 1:1.

BTC, ETH and SOL: up to 5:1. Other cryptocurrencies: up to 2:1.

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.

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.

One Phase and Lightning are one-step style programs.

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

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

• 2-Step Classic: Evaluation uses a 10% static maximum drawdown from the starting balance, measured on equity and reset when Phase 2 begins. Once funded, a 10% drop from the original balance while in B-Book causes a permanent breach.
• 2-Step Pro: 8% static maximum drawdown.
• 1-Step Classic: Static evaluation drawdown based on starting balance and measured on equity, including open positions.

• 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.
• Crypto programs: trailing drawdown that locks when a payout is made.

2-Step Classic starts at a 70% trader profit split. 2-Step Pro starts at 80%. The split applies to eligible A-Book profits generated above the starting balance and after clearing any prior B-Book offset; on 2-Step Pro it is calculated when the payout is requested. Fundex's legal terms state that payments are discretionary bonuses rather than a fixed contractual split.
1-Step Classic: the trader profit split is shown in each challenge and is calculated when the payout is requested.

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. On Crypto Standard, 100% with monthly payouts.

A free $1,000 Test Account is available to eligible traders who do not currently hold a Fundex account. It uses Fundex Terminal only, with a 10% target, 5% daily drawdown, 10% maximum drawdown and 5 minimum trading days. Profits cannot be withdrawn and completion rewards may vary.

Evaluation: reaching the daily or total loss threshold causes a breach. Funded: permanent breach follows four consecutive unrecovered B-Book switches, or a 10% decline from the original balance while the account is in B-Book.

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.

Evaluation: the daily loss limit is recalculated at 00:00 UTC from the balance at that time and measured on equity, including open positions. The applicable percentage is shown in each challenge. There is no daily loss limit at the funded stage.

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.

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.

Multiple evaluations and accounts are allowed. Total funded allocation is capped at $400,000.

Funded accounts can be merged provided their combined balance does not exceed the $400,000 maximum allocation.

No maximum time limit.

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

• 2-Step Classic: 5 days in each evaluation phase. To count, at least one trade must be opened with a notional value of at least 5% of the account balance before leverage.
• 2-Step Pro: No minimum trading days.
• 1-Step Classic: 5 evaluation trading days. A day counts only if at least one trade has a notional size of at least 5% of the account balance before leverage.

• 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
• Crypto Standard: 4 days; on the funded account, 7 per payout period
• Crypto Instant Funding: no evaluation minimum

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

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.

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

EAs and automated systems are allowed when the underlying strategy is the trader's own. Arbitrage, HFT, martingale, grid, environment-exploitation and external trade-replication systems are prohibited.

EAs are allowed on standard accounts and 2 Phase Pro. Lightning, Instant and Educational Course accounts have restrictions. Crypto accounts do not allow EAs or bots.

Hedging or arbitraging across Fundex accounts, or between Fundex and external accounts, is prohibited. The website does not clarify internal hedging within one account.

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

• 2-Step Classic: During evaluation, every trade must remain open for at least 3 minutes, including when TP or SL is triggered. The first violation generates a warning and later violations may cause a breach. There is no minimum holding time once funded.
• 2-Step Pro: No minimum holding time during evaluation or once funded.
• 1-Step Classic: Every evaluation trade must remain open for at least 3 minutes, including TP/SL closures. The first violation generates a warning; repeated violations cause a breach. No minimum holding time once funded.

During both evaluation phases, a single trade cannot lose more than 3% of the balance, including floating losses. The first violation generates a warning. This limit does not apply once funded.
1-Step Classic: Position exposure is measured as notional value relative to equity. Per position, up to 25% is compliant, over 25% through 40% generates a warning, and above 40% is a violation subject to review. Total simultaneous exposure during evaluation: up to 50% is compliant, over 50% through 80% generates a warning, and above 80% is a violation. Once funded, total exposure above 60% is a violation.

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. Not on Crypto accounts either.

Most standard accounts allow news trading. Lightning has restrictions around major news. 2 Phase Pro allows news trading. Crypto accounts cannot trade 5 minutes before or after restricted news.

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. Crypto: 25% best-day rule on Instant Funding and on the Standard funded account.

Standard evaluation accounts generally allow weekend holding. Instant Funding accounts have restrictions. 2 Phase Pro allows weekend holding. Crypto accounts trade 24/7.

• Latency arbitrage, spike catching and tick manipulation
• Exploiting errors, price-feed delays or technical malfunctions
• HFT inconsistent with realistic retail trading
• Martingale, grid and all-in betting
• Hedging or arbitrage across accounts or firms
• Copy trading, replicated signals and self-copy trading
• Front-running and use of non-public information
• Market manipulation, order spamming and toxic flow
• Materially changing strategy after passing the evaluation
• Gambling behaviour, overleveraging or correlated position stacking

• 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
• EAs, bots and copy traders on Crypto accounts

60 calendar days without trading can trigger inactivity breach on relevant accounts, including 2 Phase Pro. Crypto Instant Funding requires opening or closing a trade every 7 days.