FXIFY vs IQ Capital at a glance

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

Gros Islet, Saint Lucia

Peter Brown y David Bhidey

Christoph Radecker

Malaysia

Saint Lucia

2023

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.

• 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.

Core and Instant: every 10 active sessions. Rapid Daily: after one session; the account ends after the fifth payout.

The website advertises processing within 48 hours or a 100% split on that payout. Bank transfer or USDC ERC-20 according to the help center.

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

Up to 50% of profits per request, before the split. Core 50K: $1,500/$2,000/$2,500 for payouts 1-2/3-4/5+; 100K: $2,000/$2,500/$3,000; 200K: $3,000/$3,500/$4,000. Rapid 50K: $1,000 for the first two, then $1,500; 100K: $1,500/$2,000. After the first payout, new profits of at least 50% of the next requested amount are required.

$50

No published minimum.

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

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.

Volumetrica: BTC/ETH/SOL 1:5; other crypto 1:3.

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.

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

Evaluation resets and up to two funded or Instant resets. Welcome is excluded according to the official help center.

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.

Discretionary invitation to Elite with real capital and individual limits. The website also advertises a waiting list; automatic scaling is not guaranteed.

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

• 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.

EOD trailing: the threshold follows the highest closing value and never decreases. It locks at the initial balance when reached or after the first payout. Subsequent loss room consists of the profits left in the account.

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.

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.

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.

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

New purchases: 90-day evaluation; Instant accounts have no expiry. No monthly renewal fees for purchases from 22 October 2026 at 18:00. Older accounts retain their renewal terms.

• 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

Core: no minimum evaluation days. Rapid: the help center specifies 3 evaluation days and consistency.

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.

Core: up to 10 funded; Rapid: up to 5. Separate limits for CFD/crypto and futures. One Welcome account per user and market. Core CFD/crypto 200K: up to 5 according to checkout. Unlimited evaluations; passed accounts can wait for an activation slot.

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

Only self-developed or transparent systems with full source access and control over their logic. No commercial black-box bots, HFT or arbitrage.

Allowed for security or connectivity, never to conceal identity or bypass restrictions.

Hedging mode only; never across accounts or users. Netting mode combines positions per instrument.

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

No HFT or tick scalping. Payouts require the 15-second rule: at least half of trades and profits must come from trades exceeding that threshold, as described in payout help.

All trades in the same market are aggregated, including fees, spread and slippage. Limit: 1% in evaluation and 0.5% funded/Instant. Two soft closures; the third breach ends the account.

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.

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

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

Closure after 8 calendar days without trading. Opening or closing a trade resets the timer; an open position pauses it.

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.

Core: 30% funded and Instant, none during evaluation. Rapid: 40% during evaluation and none when funded according to checkout and payout-specific help. The rule measures the best day against total profit and resets after each payout.

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

• 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

Latency arbitrage, price or platform manipulation, spoofing/layering, bug exploitation, copying/external signals, third-party management, account sharing, multiple identities and excessive exposure.