The difference between the Micro accounts
The word “Micro” might sound small, but these accounts are anything but that. Micro accounts are part of Instant Funding’s account range, they all provide access to a simulated funded-style account, and while each account is built a little differently, the payout eligibility rules follow a familiar pattern across the range.
Think of them like coffee sizes. They might all sit under “small”, but one is an espresso, one is a flat white, and one comes with crypto sprinkles.
The quick version
| Account | Main difference |
| IF Micro | A Micro account with no set profit target. |
| One-Phase Micro | A Micro account with one challenge stage and payout conditions. |
| Two-Phase Micro | A Micro account with two challenge stages. |
| IF Micro Crypto | A Micro account focused on crypto markets. |
IF Micro
IF Micro does not have a set profit target. Payouts can be requested once the account meets the relevant eligibility rules.
It also allows news trading and weekend holding, subject to the full account rules.
In simple terms: IF Micro is the Micro account without a challenge phase structure.
One-Phase Micro
One-Phase Micro has one challenge stage.
To request a payout, traders need to meet the relevant conditions, including the minimum profit requirement and consistency rule. Payouts are available as soon as you hit your 15% consistency.
In simple terms: this account has one stage and specific payout requirements.
Two-Phase Micro
Two-Phase Micro has two challenge stages.
Traders must complete phase one and phase two before becoming eligible to move forward. It also has different payout split levels depending on timing and account rules.
In simple terms: this account has two stages before your funded account. You can request payout as soon as you meet Micro eligibility.
IF Micro Crypto
IF Micro Crypto is focused on crypto markets, including assets such as Bitcoin and Ethereum.
It does not have a set profit target, and payouts can be requested once the account meets the relevant eligibility rules.
In simple terms: it is a Micro account designed around crypto trading conditions.
The easiest way to remember it
IF Micro = no challenge phase structure
One-Phase Micro = one stage
Two-Phase Micro = two stages
IF Micro Crypto = crypto-focused Micro account
Micro accounts may be smaller in size, but the details still matter. The main differences are the account structure, market access and payout rules. So while the names are short, the rulebook still deserves a proper read. Tiny account name, normal-sized terms and conditions.
