You can hold multiple accounts, with a combined total starting balance of up to $940,000 across all programs. This includes:
- Up to $400,000 in Challenge accounts, including One-Phase Crypto
- Up to $240,000 in Instant Funding accounts
- Up to $300,000 in IF Micro and IF Micro Crypto accounts
- Up to 3 IF1 accounts of any size
Each program has its own cap. They don’t overlap.
Challenge accounts
You can have as many Challenge accounts as you like — as long as their combined starting balances don’t exceed $400,000.
Examples:
✅ 2 × $200,000 accounts = $400,000
✅ 4 × $100,000 accounts = $400,000
✅ 2 × $100,000 + 4 × $50,000 = $400,000
❌ 5 × $100,000 = $500,000 → not allowed
If you scale an account (e.g., from $100,000 to $125,000), it still counts as $100,000 toward your limit since that was the starting balance.
Instant Funding program accounts
Same logic here: your total starting balance across Instant Funding accounts must stay at or below $240,000. This limit is separate from your Challenge accounts limit and IF Micro accounts limit.
Examples:
✅ 6 × $40,000 accounts = $240,000
✅ 2 × $120,000 = $240,000
❌ 4 × $80,000 = $320,000 → not allowed
If you scale an account (e.g., from $80,000 to $160,000), it still counts as $80,000 toward your limit since that was the starting balance.
IF Micro and IF Micro Crypto accounts
The maximum limit is $300,000 in total starting balance across all IF Micro and IF Micro Crypto accounts. This limit is separate from other program limits.
Examples:
✅ 6 × $50,000 accounts = $300,000
✅ 1 × $300,000 = $300,000
❌ 4 × $100,000 = $400,000 → not allowed
If you scale an account (e.g., from $100,000 to $125,000), it still counts as $100,000 toward your limit since that was the starting balance.
Managing Your Account Portfolio
You can:
- Combine different account sizes within each program
- Hold accounts in both Challenge and Instant Funding
Just be sure to keep each program’s starting balances within its maximum allocation — $400,000 for Challenge accounts, $240,000 for Instant Funding accounts, and $300,000 for IF Micro and IF Micro Crypto accounts.
