Detailed Comparison: FXIFY vs QT Funded (2025)

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

Cape Town, South Africa, Western Cape, 7764, ZA

Peter Brown y David Bhidey

Tanswell Sassman

Malaysia

South Africa

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.

Only when purchasing with add-on

• 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.

• QT ONE: 4-day cycle
• QT TWO: 14-day cycle
• QT INSTANT: 4-day cycle
• QT Power: 14-day cycle for accounts purchased from August 11, 2026. Accounts purchased on or before August 10 receive the first payout on demand, then move to a 14-day cycle.
• QT 1 Step (BNPL): 14-day standard cycle
• QT Bonus (promotional accounts): 30-day cycle

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

$50

1% of profit ($100 min) — except QT INSTANT: 5% of profit, and a 3% buffer applies (8% profit must be reached before the first payout request).

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.

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.

Phase 2 reset available with add-on

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.

• Variable Spreads
• Usage of EA
• Swap Free
• 10% Profit Split Extra (80% → 90%)
• Refund on First Payout
• 14 Day Payout cycle
• 7 Day Payout cycle

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

• 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.

• QT ONE: 6% static
• QT TWO: 8% static
• QT INSTANT: 6% trailing, locked at starting balance once a withdrawal is made
• QT Power: 8% static
• QT 1 Step (BNPL): 6% trailing

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.

• QT ONE: 70%
• QT TWO: 80%
• QT INSTANT: 100%
• QT Power: 80%
• QT 1 Step (BNPL): 80%
  Upgradeable to 90% with the "10% Profit Split Extra" add-on on eligible plans.

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.

• QT ONE: 3% trailing (fixed amount, threshold recalculated daily on the higher of previous close balance or equity)
• QT TWO: 4% fixed (balance-based)
• QT INSTANT: 3% fixed
• QT Power: 4% fixed
• QT 1 Step (BNPL): 3% daily trailing

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.

• Max total funded allocation: $300,000
• Max Instant funded allocation: $100,000
• No duplicate asset trading when at 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.

Unlimited

• 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

• QT ONE: no minimum on the evaluation (can pass in a single day); 4 days when funded
• QT TWO: 4 days per phase
• QT INSTANT: 4 days when funded
• QT Power: 4 days in each evaluation phase and 4 days per funded payout cycle
• QT 1 Step (BNPL): no minimum on the evaluation; 5 days when funded

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

• QT TWO: 4 days of +0.5% profit per cycle
• QT INSTANT: 4 days of +1% profit per cycle
• QT ONE: not required

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

Before using EAs, they must go through a pre-approval process.

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

A Stop Loss must be placed within 60 seconds of opening a trade. Applies to QT TWO and QT INSTANT (funded accounts). QT ONE has no stop loss rule.

Cannot have three or more open positions on the same asset at the same time (only funded account

• QT ONE (Funded): 1% max floating loss across all open positions
• QT TWO (Funded): 1% max floating loss (first violation is a soft breach, second is a hard breach)
• QT TWO (Evaluation): exposure must stay under 75% of the daily drawdown limit
• QT INSTANT (Funded): 1% max exposure per instrument
• QT Power (Evaluation): exposure must stay under 75% of the daily drawdown limit
• QT Power (Funded): no exposure limit
• QT 1 Step (BNPL, Funded): 2% floating loss

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.

Allowed without restrictions when allocation is lower than $300,000.
Not allowed when the allocation is $300,000 or above.

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

• No new entries or exits within the 10-minute window around a restricted news event (5 minutes before and 5 minutes after).
• Order modifications ARE permitted during that window: adjusting stop loss, modifying take profit and cancelling orders.
• Positions or limit orders placed more than 5 minutes before the release (with SL and TP set) may remain open or be triggered during the event.
• Restricted releases: CPI, FOMC statement and meetings, Non-Farm Payrolls and USD PMI. Red folder events restrict every pair involving that currency and any index priced in it.
• News source: Forex Factory.
• The News Rule does NOT apply to QT ONE, QT INSTANT, QT Power or QT 1 Step (BNPL) accounts.

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

• QT TWO: no inactivity rule
• QT INSTANT, QT Power, QT 1 Step (BNPL): 14 days
• QT ONE: the comparison table states 7 days while the plan article states 14 days; confirm with support before relying on it.
  The period runs from the purchase date if no trade has been placed, or from the most recent closed trade.

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.

• QT INSTANT: 30%
• QT Power: 35% in both evaluation and funded
• QT 1 Step (BNPL): 20%
• QT ONE, QT TWO: no consistency rule

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

• All-or-Nothing
• Latency Trading
• Arbitrage Trading
• High-Frequency Trading
• Tick scalping
• Reverse Trading or Group Hedging
• Order book spamming
• Flooding the server with messages due to incorrect use of algorithm
• One side betting
• Trading behaviours that the Risk Department deem Toxic