The real cost of FXIFY and WhitePips

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

Sharjah, United Arab Emirates

Peter Brown y David Bhidey

Malaysia

Saint Lucia

2023

2026

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.

Prime 1 Step and Prime 2 Step only: the fee is refunded in full once the account has been funded for 30 days and is in profit. Edge and Instant have no refund.

No fixed fee published. Any processing or network fee is shown before you confirm; bank and network charges are paid by the trader.

• 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.

First payout on demand once funded (on Instant, after the first trade). Then every 7 days; every 14 on Instant Go.

No guaranteed time: the payout policy neither promises nor estimates one. Every request gets an automatic receipt and every payout a verifiable certificate.

Only with the Weekend Holding add-on. Without it, crypto positions are also closed at 4:45 PM New York time on Friday.

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

At most $2,000 per account in any 7 days; the rest stays on the account for the next request.

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

Edge 1 Step and Prime 1 Step: 1% of the starting balance, at most $100. Edge 2 Step and Prime 2 Step: no minimum. Instant: 1% of the starting balance. Crypto payouts: at least $100.

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

Edge 1 Step, Edge 2 Step and Prime 2 Step: 1:100. Prime 1 Step: 1:50. Instant Pro: 1:33. Instant Go: 1:25.

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.

Edge 1 Step, Edge 2 Step and Prime 2 Step: 1:100. Prime 1 Step: 1:50. Instant Pro: 1:33. Instant Go: 1:25.

Oil leverage is 5:1 on 2 Phase Pro.

Edge 1 Step, Edge 2 Step and Prime 2 Step: 1:100. Prime 1 Step: 1:50. Instant Pro: 1:33. Instant Go: 1:25.

Indices leverage is 10:1 on 2 Phase Pro.

Edge 1 Step, Edge 2 Step and Prime 2 Step: 1:100. Prime 1 Step: 1:50. Instant Pro: 1:33. Instant Go: 1:25.

Stocks leverage is 2:1 on 2 Phase Pro.

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

Edge 1 Step, Edge 2 Step and Prime 2 Step: 1:100. Prime 1 Step: 1:50. Instant Pro: 1:33. Instant Go: 1:25.

Edge and Instant: $5 per lot round turn. Prime: $4.

Edge and Instant: $6 per lot round turn. Prime: $5.

Edge and Instant: 0.06% of the trade value, round turn. Prime: 0.045%.

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.

Paid add-on with a fixed price per size, from $9 (2.5K) to $146 (200K). Reviewed if profit comes mainly from positions held through the rollover.

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

Voluntary evaluation reset with no open positions: a new account at 20% off the current price. After a breach, a paid restart for 7 days. Funded accounts can buy a reset while under 10% of the max loss has been used.

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.

Weekend Holding (20% of the fee) and Swap-Free (fixed price per size). Bought with the account and non-refundable.

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.

Automatic 90-day cycles: +30% size (up to 680K; 340K on Instant) and +5 split points. They require 50 trades, 12% net (1 Step), 10% (2 Step) or 15% (Instant), 2 of 3 profitable months (all 3 on Instant and Prime), no trade above 7.5% of profit (5% on Instant and Prime) and no warning.

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

Static on every plan: the floor stays fixed below the starting balance and is measured on equity, floating loss included. Touching it ends 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. On Crypto Standard, 100% with monthly payouts.

Edge rises 5 points per scaling cycle up to 95%; Instant Pro up to 90%; Instant Go up to 85%. Prime moves to 100% after 30 days funded and does not rise with scaling. Each strike pays the next payout at 10%.

One free Edge 1 Step 100K for 14 days under the paid rules, after KYC approval. It never funds or pays out; passing it gives a 20% code valid for 30 days.

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.

Measured from the previous day's closing balance (5 PM New York), floating loss included. Touching it ends the account.

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.

$1.5M per person across all CFD and futures accounts.

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

No time limit in the evaluation or once funded.

• 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

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.

Profitable day: a close at +0.5% of the account size. To pass, 3 on 1 Step and 2 per phase on 2 Step. Before each payout: 3 (1 Step), 2 (2 Step), 5 (Instant Go) and none on Instant Pro.

One user per person, with as many accounts as the $1.5M limit allows. Up to 5 accounts per order, with a 10% to 25% bundle discount.

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.

Only EAs the trader developed and controls, and can explain and show running. Bought, rented or subscription bots are prohibited.

Hiding your location with a VPN, proxy or remote desktop is prohibited and triggers a new identity check. Your own EA on a VPS is allowed if disclosed.

Within one account, yes. Prohibited across accounts, yours or others', and against other firms or brokers.

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

Yes. Once funded, trades under 120 seconds may make at most 20% of profit from the tenth closed trade; above that, payouts pause until it is back under. Not measured in the evaluation.

Grid and martingale strategies that add exposure into losses are prohibited.

Max. Exposure: open notional may not exceed 5,000% of the balance at 2.5K down to 1,000% at 200K. Once funded, no trade may float more than 2% of the starting balance in loss (1.5% on Instant). Each gives a warning that, if the account is in profit, resets it to the starting balance; the second ends the account. Instant: max 1.5% floating loss per symbol.

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.

Only to copy your own trading: between your own CFD accounts or from your own master account at another broker or firm. Signals and third-party accounts are prohibited.

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.

Allowed at every stage. Straddling is prohibited: opposite or offsetting positions on the same or correlated instruments within 15 minutes of a red or amber release; the risk desk reviews it.

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.

30 days without a closed trade ends the account.

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.

No best-day rule. A single trade may not exceed 60% of profit; if it does, payouts pause until it is back under. On funded Prime, every 7 days the trade count and volume per instrument must stay within ±25% of the average, or the account moves to a 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.

Only with the add-on. Without it, positions are closed at 4:45 PM New York time on Friday: the first time is a warning, the second ends the account.

• 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

Latency or price-error arbitrage, hedging across accounts or firms, coordinated trading, third-party management, bought bots, gap exploitation, grid and martingale, doubling size after a loss the same day, swap-free abuse and churning accounts. At most 20% of profit may come from the 21:00 to 22:59 UTC window.