FXIFY vs Upcomers: at a glance

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

Building A1, IFZA Business Park, Dubai Silicon Oasis, Dubai, United Arab Emirates

Peter Brown y David Bhidey

Jakub Zeliska

Malaysia

United Arab Emirates

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.

200% Challenge fee refund after the 3rd fully approved payout on Challenge accounts (Ash, Thunderbolt and Phoenix). The trader must request it through support. A partially approved payout or a payout with a strategy violation permanently disqualifies that account. It does not apply to Instant Funding accounts.

• Bank Transfer (recommended): $19.90 + 2.49%.
• Cryptocurrency: $19.90 + 30% (higher due to limited UAE crypto liquidity).
• Returned payouts: $30 reprocessing fee (covers real bank/admin cost of reprocessing; not a penalty).

• 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.

• Withdrawal review by Risk Team: 24-48h (account trading is frozen during review).
• Bank transfers: 2-5 business days after approval.
• Crypto: faster, depends on blockchain network.
• Other programs: minimum 1% profit required per payout (resets after each payout).
• Turbo accounts: minimum 5 trading days per payout (each ≥0.5% profit).
• Vanguard (Instant Funding): minimum 5 trading days per payout (each ≥0.5% profit).
• Horizon and Odyssey: first payout 14 days after the funded account starts, then every 14 days. At least 3% profit of the initial balance is required before each payout, including between payouts, together with the required valid trading days.

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

Payout cap progresses with each approved withdrawal on the same funded account:

• Payout #1: 1% of initial balance
• Payout #2: 2%
• Payout #3: 3%
• Payout #4: 4%
• Payout #5: 5%
• Payout #6: 6%
• Payout #7: account resets to initial balance with NO payout cap (unlimited from #8 onwards)
  Cap only increases after a FULLY approved withdrawal. Partial or declined payouts do not progress the cap.

$50

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.

All accounts are swap‑free

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

Resets are offered as an alternative to full suspension after a rule violation. The account continues trading, but every future payout on that account is permanently capped at 50% of the approved amount.

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.

Scaling Plan for Thunderbolt and Vanguard accounts:

• Apply every 4 consecutive months via help@upcomers.com.
• +35% increase on simulated initial balance per cycle.
• Maximum allocation scalable up to $4,000,000.
  Requirements per cycle:
• ≥15% cumulative account growth across the 4 months.
• ≥2 withdrawals completed in the 4-month period.
• Final cycle must end in profit.
  Separate "4M on request" individual contract available after 6+ consecutive profitable months.

• 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.

Current CFD programs use two systems:

• Dynamic Risk Shield™: 6% on Ash and Thunderbolt, 10% on Phoenix Legacy, 8% on Vanguard, 5% on Oracle and 4% on Ember. It trails the equity high-water mark and locks at the initial balance where specified.
• Static maximum loss: 6% on Phoenix Classic. The floor is fixed from the initial balance.
  Percentages and behavior are shown per phase in the challenge catalogue.
• Horizon and Odyssey: Dynamic Risk Shield™ follows the highest equity, only moves upward and stops at the initial balance, in evaluation and funded phases.

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.

Standard profit split: 90%. A trader can select 80% or 100% at checkout; changing the split also changes the Challenge price. The selected split remains linked to that account, and older accounts retain their original conditions.

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.

Resets daily at 00:00 UTC and is calculated under the rules of each program. Current limits:

• Ash Classic/Turbo and Thunderbolt Classic/Turbo: 3%
• Phoenix Classic: 4%
• Phoenix Legacy: 5%
• Vanguard and Oracle: 4%
• Ember: no daily drawdown
• Horizon: 3% and Odyssey: 4%, in evaluation and funded.

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.

Classic and Legacy challenges have no time limit. Ash Turbo and Thunderbolt Turbo have 30 calendar days and a maximum of 7 trading days.

• 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

No minimum trading days to pass the challenge in any Classic or Turbo program. Turbo challenges require only 1 trading day with real activity. For those programs, minimums apply only at the payout stage: see 'minimumProfitableDays'.
Horizon requires 2 valid trading days in its evaluation. Odyssey requires 2 valid trading days in each evaluation phase. A valid day earns at least 0.5% of the initial balance.

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.

Payout eligibility requirements (a valid day has at least 0.5% realized profit):

• Vanguard, Oracle, Ember, Phoenix Legacy, Ash Turbo and Thunderbolt Turbo: 5 valid days
• Ash Classic, Thunderbolt Classic and Phoenix Classic: no valid-day minimum
  The counter resets after each successful payout.
  Horizon funded accounts require per payout 3 valid days up to $50,000, 4 above $50,000 and below $200,000, and 5 from $200,000. Odyssey funded accounts require 3 below $100,000 and 4 from $100,000. Each valid day earns at least 0.5% of the initial balance.

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

Allowed, including third-party EAs, bots and trade or risk managers, as long as the trading rules are followed. HFT, tick scalping, latency arbitrage, emulators and running the same EA with the same settings as other traders are prohibited.

Not explicitly prohibited, but strongly discouraged. Use of VPN/VPS during KYC/AML verification is prohibited and can result in the account not being funded or being closed. If suspicious activity is detected, VPN usage will be used against the trader in the review.

Prohibited, also within the same account and across multiple accounts.

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

Multiple challenges and funded accounts combinable under a single user profile, as long as total funded capital does not exceed $1,500,000 across all Upcomers programs.

Maximum loss per trade in the funded phase (all positions on the same instrument and direction count as one trade):

• Ash Classic, Thunderbolt Classic and Phoenix Classic: 3%
• Phoenix Legacy, Odyssey, Vanguard and Oracle: 2%
• Ash Turbo, Thunderbolt Turbo, Horizon and Ember: 1.5%
  Exceeding the applicable limit is a hard breach.

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.

Only between accounts owned by the same person (Upcomers, other prop firms or brokers). Copying to or from other people's accounts and signal services are prohibited.

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.

35 consecutive calendar days without a trade closes the account automatically. Warning email sent 7 days before expiration.

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.

Consistency is checked at payout and does not breach the account:

• 20% Best Day Rule: current Classic, Legacy and Turbo challenges, Vanguard, Oracle and Ember
  The Best Day cycle resets after each successful payout.
• Horizon and Odyssey: no consistency or Best Day Rule in evaluation or funded accounts.

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

• Emulators, and running the same EA with the same settings as other traders to produce identical trades.
• Tick scalping (trades held under 2 minutes on Oracle) and high-frequency trading (HFT).
• Martingale, grid trading, one-sided bets, reverse trading and hedging (also within the same account).
• News straddling (bracket orders placed around economic releases).
• Signal services and copying trades from other people's accounts.
• Team/group trading or executing identical trades across accounts to bypass the $1.5M cap.
• Sharing passwords, account access or identity (KYC).
• Exploiting platform bugs, delays or pricing errors.
• Opening multiple user profiles (One Person, One Account policy).
• Splitting trades intentionally to bypass the 20% Best Day Rule.