Below, you’ll find the key rules and answers to common questions. For full details, please refer to our Trading Rules and FAQ.
Risk Limits
Daily Loss
You may not lose more than 4% of your account value per day.
At 21:00 UTC (market rollover), your Daily Loss Limit is recalculated based on the higher of:
- Your Balance (excluding open trades)
- Your Equity (including open trades)
Example: If your Balance is $10,000 and your Equity is $10,500 at 21:00 UTC, the Daily Loss Limit for the next day will be 4% of $10,500 = $420.
Static Drawdown
Your maximum loss is limited to 10% of your starting balance.
Example: with $10,000 starting balance, your account can’t drop below $9,000.
Max Lot Rule
Maximum Lot Rule sets clear limits on total lot sizes per asset class. Lot size limits apply to each asset class. Multiple positions within the same category are counted together when calculating the total volume.
Violating the Maximum Lot Rule will result in a full account reset.
The table below shows the maximum allowable lot sizes for Two-Phase accounts. Review it carefully to ensure your trades stay within limits.
| Two-Phase Max challenge size | FX | Commodities/ Metals | Indices | Crypto |
| $5,000 | 2 | 0.15 | 1 | 0.5 |
| $10,000 | 4 | 0.3 | 2 | 1 |
| $25,000 | 10 | 0.75 | 5 | 2.5 |
| $50,000 | 20 | 1.5 | 10 | 5 |
| $100,000 | 40 | 3 | 20 | 10 |
Risk per Trading Instrument
Risking or losing more than 50% of your daily drawdown at any time in one trade idea is considered gambling, and constitutes a hard breach.
Profit Target
The Two-Phase Challenge has two stages: achieve 8% in phase one, then 5% in phase two to complete the challenge.
Example: with a $10,000 account, first make $800 in phase one, then $500 in phase two.
You must also trade for at least 3 separate days. There is no maximum time limit — complete the challenge at your own pace.
Payouts
Two-Phase Max allows withdrawals, starting as early as day 5. Your profit split increases the longer you wait:
- 5–13 days: 60% profit split
- 14–27 days: 80% profit split
- 28 days or later: 95% profit split
How to request a withdrawal:
- Close all active trades before requesting your withdrawal.
- Go to your dashboard and choose your preferred withdrawal method.
- Choose the amount (minimum $25).
Prohibited Practices and Strategies
Certain strategies and behaviors are not allowed and may result in account termination or profit removal. This includes:
- One-sided bets
- Grid trading
- High-frequency trading (trades under 60s or excessive volume)
- Copy trading between unrelated accounts
- Usage of public third-party expert advisors
- Reverse trading and group hedging
- Group copying/Account management
- Account churning (Rolling)
- Exploiting system glitches
- Exploiting inefficiencies of trading platforms
For detailed definitions and examples, see our Trading Rules.
News Trading
During the challenge phases, you can trade freely during major news events — open, close, or hold positions without restrictions.
On funded accounts, news trading is not permitted. You may not open or close trades within 5 minutes before or after a high-impact news event. You can find the full list of affected news events here.
Holding Rules
You’re allowed to keep trades open overnight. You can hold weekend positions during challenge phases and on your funded account.
Instrument Commissions
Commission-free accounts have no commissions. The following commissions apply exclusively to RAW spreads accounts:
| Instrument | Commission per lot |
| FX | $5 |
| Metals | $5 |
| Commodities | $2 |
| Crypto | $1 |
| Indices | USD-based: $2 per lot Other indices: Approximately $2 per lot (varies with interest rates/exchange rates of the base currency) |
Account Limits
You can hold multiple Challenge accounts, with a combined starting balance of up to $400,000.
Scaling does not count toward your limit — only starting balances are used.
Scaling
You can increase your balance up to 100% of your original starting balance by growing your account by at least 10% over a 90-day period. Each time you achieve this, you’ll receive a 25% increase to your starting balance.
The process is simple:
- Increase your balance by 10% or more and ensure at least 90 days have passed since account opening
- Contact support at support@instantfunding.com with subject “Scaling Request”. Include your Account ID and confirm your 10%+ gain and 90+ day account age
- That’s it! Our team will verify your achievement and add 25% of your starting balance to your account
You can repeat this process every 90 days, gradually increasing your account size up to double the original amount.
Inactivity
If no trades are placed within 60 days of your account purchase or after the last trade, your account will be automatically closed.
