Below, you’ll find the key rules and answers to common questions. While this program is no longer available for new purchases, existing account holders can find all relevant information below.
Daily Loss
You may not lose more than 3% of your account value per day.
At 17:00 EST (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 17:00 EST, the Daily Loss Limit for the next day will be 3% of $10,500 = $315.
Static Drawdown
Your maximum loss is limited to 6% of your starting balance.
Example: with $10,000 starting balance, your account can’t drop below $9,400.
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 IF Micro Pro Limited edition accounts. Review it carefully to ensure your trades stay within limits.
| IF Micro Pro size | FX | Commodities/ Metals | Indices | Crypto |
| $1,250 | 0.5 | 0.04 | 0.25 | 0.1 |
| $2,500 | 1 | 0.08 | 0.5 | 0.25 |
| $5,000 | 2 | 0.15 | 1 | 0.5 |
| $10,000 | 4 | 0.3 | 2 | 1 |
| $25,000 | 10 | 0.75 | 5 | 2.5 |
Risk per Trade Idea
You may not risk more than 1% of your starting account balance at any time in one trade idea. A trade idea includes all open positions on a single instrument in the same direction (Buy or Sell). Closing and reopening a position in the same direction on the same instrument within 10 minutes is treated as the same trade idea and does not reset the limit. Exceeding this limit will result in a hard breach.
Payouts
Profit withdrawals are available every 14 days, starting from your first trade, once all of the following conditions are met:
- At least 4 trading days completed
- Your best trading day must not exceed 25% of your total profit
Example: If your total profit is $1,000, your best day must be $250 or less - Your net profit must reach at least 5% of your starting balance
Once these are met, you can request a payout at any time from your dashboard.
How to request a withdrawal:
- Make sure all conditions are met and all active trades are closed.
- Go to your dashboard and choose your preferred withdrawal method.
- Choose the amount.
News Trading
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. Weekend holding is not allowed. Make sure to close all positions before the market closes on Friday to avoid a breach.
Account Limits
There’s a combined cap of $1,000,000 across all account types and challenge types, based on starting balance only. It’s one total limit, not a separate $1,000,000 per programme.
This means scaling doesn’t count against your cap. If an account grows through a scaling plan, only the original starting balance is counted — the scaled-up portion is excluded.
For example: if you already have $200,000 allocated in Instant Funding Smart Funding and $400,000 in One Phase Funding, that’s $600,000 of your $1,000,000 cap used, leaving $400,000 of headroom for other challenge types. If that One Phase Funding account later scales from $400,000 to $500,000, your allocation used still counts as $400,000, not $500,000 — so your remaining headroom stays at $400,000 rather than shrinking.
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.
Built-in safety, not surprises
These limits exist to protect your account and keep a level playing field for every trader. Stay within them, manage your risk, and you’ll trade your way to a payout.
Instrument Commissions
Commission-free accounts have no commissions. The following commissions apply exclusively to RAW spreads accounts.
- FX
- $5 per lot
- Metals
- $5 per lot
- Commodities
- $2 per lot
- Crypto
- $1 per lot
- Indices
- ~$2 per lot (USD-based)
Inactivity
If no trades are placed within 60 days of your account purchase or after the last trade, your account will be automatically closed.
Certain strategies and behaviors are not allowed and may result in account termination or profit removal. For detailed definitions and examples, see our Trading Rules.
One-Sided Bets
All-or-nothing directional positions that rely on a single outcome instead of managed risk.
Grid Trading
Opening multiple layered positions at set price intervals to build exposure automatically. This includes both traditional grid trading, where orders are placed above and below the current set price, and one-directional grid trading, where multiple positions are continuously layered in the same direction (i.e. order book spamming). Grid-style behaviour is restricted because it can create uncontrolled risk across the account.
High-Frequency Trading
Trades held 60 seconds or less, or an unusually high number of trades per hour.
Copy Trading (unrelated)
Copying trades, signals or management from accounts that aren’t your own. Your own accounts are fine.
Public Third-Party EAs
Public third-party expert advisors are restricted. First-party EAs you build yourself are allowed.
Reverse Trading & Group Hedging
Opposite positions across accounts, or coordinated positions across traders, to eliminate risk.
Group Copying / Account Management
Anyone other than the owner trading the account, or identical-setting group copying. Breaches KYC/AML.
Account Churning (Rolling)
Repeatedly opening and recycling accounts to game resets, refunds or payouts.
Exploiting System Glitches
Profiting from platform bugs, pricing errors or technical faults rather than genuine market moves.
Exploiting Platform Inefficiencies
Gaming latency, feed gaps or execution quirks for an unfair edge.