Instant Funding vs PineX Capital at a glance

Top floor, Rodney Court Building, Rodney Bay, Gros Islet, Saint Lucia

Meydan Grandstand, 6th Floor, Meydan Road, Nad Al Sheba, Dubai, United Arab Emirates; and Ground Floor, The Sotheby Building, Rodney Village, Rodney Bay, Gros-Islet, Saint Lucia

Lewis Mansbridge

Arlind I.

Saint Lucia

United Arab Emirates / Saint Lucia

2021

2024

Liquidity Provider

1-Step only: 100% fee refund with the third payout.

Crypto: no fee. Bank transfer through Rise: USD 50.

IF Evolve

On-demand payouts once the funded-stage eligibility requirements are met.

Instant Funding Pro

First withdrawal after 14 days from your first trade; then every 7 days after each new trade.

Instant Funding Lite

First withdrawal after 14 days from your first trade; then every 7 days after each new trade. Minimum withdrawal: $25.

Instant Funding Micro, One-Phase Micro, Two-Phase Micro, One-Phase & Two-Phase

On-Demand Payouts, withdraw anytime once eligible.

IF Micro Clarity

On-demand payouts, withdraw anytime once eligible.

One-Phase Clarity

First payout on-demand once the 1.5% minimum is reached; then every 7 days.

Instant Funding Clarity

First withdrawal after 14 days from your first trade; then every 7 days after each new trade.

IF Micro Lite

Payouts every 14 days once eligible; Smart Drawdown must be locked.

Every 21 exchange days; 14 days with the add-on. Requests are usually processed within 72 business hours.

IF Evolve

• Maximum 50% of account profit per payout
• Maximum $2,000 per request
• Maximum 5 payouts per account

The first two payouts are limited to 10% of the account size and an absolute maximum of USD 10,000. There is no maximum from the third payout onward.

IF Evolve

• $250

Other accounts

• $25

IF Micro Lite

• Net profit of at least 5% of starting balance, before profit split.

USD 100 via crypto; USD 300 via bank transfer.

IF Evolve

• 30:1

Other accounts

• 100:1 (30:1 with news trading add-on)

IF Micro Lite

• 30:1

1-Step and 2-Step evaluation: 100:1. PineX Account: 1-Step and Instant PineX 30:1; 2-Step and Instant Elite 50:1.

20:1 (8:1 with news trading add-on)

IF Micro Lite

• 5:1

Evaluation: 20:1. PineX Account: 1-Step, Instant PineX and Instant Elite 10:1; 2-Step 20:1.

20:1 (8:1 with news trading add-on)

1-Step: 20:1 in evaluation and 10:1 in the PineX Account. 2-Step: 30:1. Instant PineX and Instant Elite: 10:1.

20:1 (8:1 with news trading add-on)

Evaluation: 20:1. PineX Account and Instant: 10:1.

2:1 (1:1 with news trading add-on)

1-Step and Instant: 2:1. 2-Step: 2:1 in evaluation and 1:1 in the PineX Account.

1-Step: US 20:1 in evaluation and 10:1 funded; EU 30:1. 2-Step: US 5:1 and EU 30:1. Instant: US and EU 30:1.

Accounts can't be reset. After a breach, traders must purchase a new account.

• Allow major news trading and weekend holding

• Add 10% to profit split

• +5% Best Day (IF Micro up to $50,000): raises Best Day limit from 15% to 20%

• Extended 48-hour trading window (IF1 only)

• Increased best trade limit of 20% (IF1 only)

• IF Micro Lite: +10% profit split (90%).

Add-ons are available to reduce the payout cycle from 21 to 14 exchange days and, except on Instant Elite, increase the split up to 100%.

Challenge Accounts + Instant Funding Micro + IF Micro Clarity + One-Phase Clarity

+25% to starting balance every 90 days with 10% profit, up to 2× the original account size.

Instant Funding Pro & Instant Funding Lite

• Instantly double your account when you reach 10% profit (up to $1,280,000).
• You keep all profit except 5% of starting balance used for scaling.

IF Micro Lite

• +25% to starting balance every 90 days with 10% profit, up to twice the original account size.

Free Growth Plan with scaling up to USD 2,000,000.

IF Evolve

• End-of-Day trailing drawdown. It updates at 17:00 EST from the highest recorded end-of-day balance, only moves upward, and locks permanently at the starting balance.

Instant Funding Pro, Instant Funding Lite & Instant Funding Clarity

• Smart Drawdown. Starts at -10% and shifts to -5% once you gain 5%. After that, the drawdown stays fixed at -5% of your starting balance, no matter how much you profit.

IF Micro Clarity & One-Phase Clarity

• 6% trailing drawdown of the starting balance. Trails off closed trades only and never decreases.

Rest of accounts

• Static

IF Micro Lite

• Smart Drawdown locks permanently at -3% of starting balance after a 3% gain in closed-trade balance.

1-Step and 2-Step use static drawdown from starting capital. Instant PineX and Instant Elite trail new highs; PineX resets after a payout and Elite does not.

Instant Funding Pro, Instant Funding Lite, Instant Funding Micro, One Phase, One Phase Micro, Two Phase, Two-Phase Micro, IF Micro Clarity, One-Phase Clarity, Instant Funding Clarity

• 80%

IF1

• 90%

One-Phase, Two-Phase, and Two-Phase Micro Challenges

• Trade for at least 3 months and achieve a profit of 10% or more
• Contact support to request a review of your results
• Once verified, your profit split will be increased to 90%

Clarity (Micro Clarity, One-Phase Clarity, Instant Funding Clarity)

• Up to 90% with the +10% profit split add-on

80% by default. Up to 100% through an add-on on 1-Step, 2-Step and Instant PineX. Instant Elite remains at 80%.

IF Evolve

• No Daily Loss limit during either the Challenge or Funded stage.

Instant Funding Pro

• No daily loss limit.

Instant Funding Lite

• Recalculated at 17:00 EST on the higher of balance or equity. Breaching the daily limit closes the account.

IF Micro Clarity

• 3% of account value/day. Daily reset at 17:00 EST, recalculated on the higher of balance or equity.

One-Phase Clarity

• 4% of account value/day. Daily reset at 17:00 EST, recalculated on the higher of balance or equity.

Instant Funding Clarity

• No daily drawdown

IF Micro Lite

• Recalculated at 17:00 EST on the higher of balance or equity. Breaching the daily limit closes the account.

1-Step and 2-Step keep a static daily limit. On Instant PineX and Instant Elite, the limit trails the daily balance/equity high.

$1,000,000 combined starting balance across all programs, including IF Micro Lite. Scaled balances do not count toward this cap.

IF Evolve

• Up to 5 active Evolve accounts at the same time

Multiple accounts are allowed. Eligible traders may combine them up to USD 600,000 in active allocation.

Eligible accounts may be combined up to USD 600,000. Instant accounts cannot be combined with Direct Funding.

• IF1: 24 hours
• IF Micro Clarity & One-Phase Clarity: Unlimited
• Rest of accounts (including Instant Funding Lite): Unlimited

No time limit.

Instant Funding Pro, Instant Funding Lite, Instant Funding Micro, IF1, IF Micro Clarity, One-Phase Clarity: No minimum

• One Phase, One Phase Micro, Two Phase, Two-Phase Micro: 3 days

• IF Micro Lite: No minimum

1-Step: 3 evaluation days and 4 profitable days of at least 0.5% for payout. 2-Step: none in evaluation and 4 on the PineX Account. Instant PineX: 5 days of at least 0.5%. Instant Elite: 6 days of at least 0.5%.

• You earn 1 point for every $1 spent and you can use points to obtain promotional codes with discounts up to 50%.
• You earn 10% of the final value (after discounts) in points for every purchase.

PineX Points: 1 point per euro spent, redeemable for accounts, add-ons, discounts and rewards.

IF Evolve

• 5 profitable days of at least 0.25% to pass the Challenge
• Another 5 qualifying days are required for each funded payout

IF Micro Clarity

• 5 profitable trading days per payout cycle, each generating at least 0.5% profit. The count resets after every successful payout.

EAs, bots, scripts and tools that automatically open, close or manage trades are not allowed.

The firm expressly discourages VPN or VPS use and prohibits sharing devices or access credentials.

A stop loss is not mandatory, but exposure above 10 times the starting capital with more than 50% of trades lacking an SL may be treated as abuse.

Scalping is permitted, but not HFT. HFT includes trades held under 60 seconds or a high number of trades per hour.

Violations

• 1-2: Warning + profit deduction
• 3: Account breach

Scalping is allowed, but Quick Strike/HFT, extremely short holding times and mass order activity are prohibited.

A maximum of two simultaneous open positions in the same market and direction within one trade idea.

One-Phase, Two-Phase, IF Micro

Martingale is fully permitted. You can add to losing positions and increase lot sizes without restriction.

Instant Funding Pro

Adding to losing positions is allowed, but repeatedly doubling lot sizes after losses is not permitted.

Maximum Lot Rule: Full list here

Maximum risk per trade idea , funded accounts

• General limit: 50% of the account's starting daily drawdown.
• Instant Funding Pro: 3% of the starting balance.
• Instant Funding Lite and One-Phase Crypto: 2%.
• IF Micro, IF Micro Crypto and IF1: 1%.
• Two-Phase Micro: 2% on accounts up to $50,000 and 1.5% on accounts of $100,000 or more.

Clarity accounts (IF Micro Clarity, One-Phase Clarity)

• No maximum-risk-per-position rule. Instead, a circuit breaker closes all positions if unrealised losses exceed 1.5% (IF Micro Clarity) or 2% (One-Phase Clarity) of the starting balance. The first breach reduces the profit split to 50%; the second closes the account.

IF Micro Lite

• Floating losses exceeding 1% of starting balance close all positions and trigger a strike. Account Drawdown and news-window violations share one strike pool: first strike reduces profit split to 50%; second closes the account.

Instant PineX: maximum 2% of starting capital per trade idea. Instant Elite: maximum 1% floating loss. No fixed per-trade percentage applies on 1-Step or 2-Step, but the general excessive-risk rules still apply.

Mirroring, third-party executed signals and copying between accounts are prohibited.

IF Evolve

News trading is allowed during both the Challenge and Funded stages.

Challenge accounts

One-Phase, Two-Phase → free news trading.

Micro accounts

IF Micro, IF1, One-Phase Micro, Two-Phase Micro → news trading allowed.

Clarity accounts

IF Micro Clarity, One-Phase Clarity → news trading included by default (no add-on required). Straddling prohibited on One-Phase Clarity.

Funded accounts

Instant Funding Pro, Instant Funding Lite, Instant Funding Clarity, One-Phase, Two-Phase → news trading only with the Major News Trading add-on. Two-Phase Micro has news trading enabled by default.

News restriction window

Blocks market orders, pending limit orders, and TP/SL triggers on affected instruments:

• Funded accounts: 4 min before + 4 min after news (8 min total).

Warning system (funded accounts: One-Phase, Two-Phase, Instant Funding Pro, Instant Funding Lite)

• Up to 2 warnings with profit deductions for trades made inside the restriction window.
• 3rd violation = account breach.
• Profit deductions don't affect daily drawdown, but overall drawdown adjustments still apply.

IF Micro Lite

• Trading on affected instruments is prohibited within 4 minutes before and after major news. Violations count toward the shared strike pool described under maximum risk.

Positions on the affected instrument cannot be opened or closed during the 5 minutes before and after red-folder news. Automatic SL or TP closures also count.

60 days

The account is considered breached after 30 calendar days without opening and closing at least one trade.

No payout consistency rule

• Instant Funding Pro and Instant Funding Lite
• One-Phase Clarity and Instant Funding Clarity

Best-day / best-trade rule for payouts

• IF Evolve: the best trading day must not exceed 40% of total profit during both the Challenge and Funded stages.

• IF Micro, IF Micro Crypto, One-Phase Micro and Two-Phase Micro: the best trading day must not exceed 15% of total profit.

• IF1: the most profitable trade must not exceed 15% of total profit.

• IF Micro with the +5% Best Day add-on: 20%.

• One-Phase and Two-Phase: the best trading day must not exceed 40% of total profit.

• IF Micro Clarity: the best trading day must not exceed 20% of total profit.

• IF Micro Lite: best trading day at most 15% of total profit for payout eligibility.

Instant PineX applies a 20% rule: the best day must represent less than 20% of the period's profit. 1-Step, 2-Step and Instant Elite have no consistency rule.

• IF Evolve: Overnight and weekend holding are not permitted. All positions close automatically at 17:00 EST.

• Instant Funding Pro, Instant Funding Lite: Only allowed with add-on

• IF Micro, IF1, Two-Phase Micro: Allowed without restrictions

• IF Micro Clarity, One-Phase Clarity: Allowed without restrictions, no add-on required

• One Phase, Two Phase: Allowed during evaluation, and during funded phase with add-on

• IF Micro Lite: Weekend holding is not permitted.

Allowed on Instant PineX and Instant Elite. Not allowed on 1-Step or 2-Step.

• Latency Arbitrage
• Tick Scalping
• Account Arbitrage
• Exploiting platform glitches
• Reverse Trading
• Group Hedging
• Group Copying
• Account Management
• High-Frequency Trading (HFT)
• Third-Party EAs
• Account Churning (Rolling)
• One-Sided Bets
• Grid Trading
• Overleveraging
• Gambling

Hedging and inverse trading; copy trading and account sharing; martingale, grids and recovery systems; excessive or all-in risk; more than two positions in the same trade idea; extreme margin usage; Quick Strike/HFT; arbitrage and latency abuse; account rolling; EAs and automated tools.