Instant Funding
News trading and weekend holding are switched off by default and sold back as paid add-ons — a restriction the top-line marketing does not surface. Structure splits a UK payments company from a Saint Lucia entity that provides the actual programme.
Operated by Acello Ltd (UK company number 12696083) as payment agent for IF Pro Ltd (Saint Lucia International Business Company registration 2025-00056). All trading is simulated; disclaimers explicitly state that payout rewards are primarily funded from registration fees, not from live market operations. Standard accounts run a Smart Drawdown that trails but freezes permanently at -5% of starting balance upon achieving a 5% gain. Evolve offers a futures-style one-phase challenge with EOD trailing drawdown, while Clarity introduces a 2.5% Account Drawdown rule reducing profit split to 50% on the first flag.
Not enough published data to simulate this firm’s floor.
Crossed one of the seven hard bars. Open the row and it names which one, with the mechanism spelled out. This is not a low grade — no quantity of virtue elsewhere buys it off, which is why it carries no rank at all.
Disqualified for
Trustpilot: fabricated-reviews warning
Trustpilot withholds the rating and serves a fabricated-reviews warning — a third party concluding the firm faked its own reviews. A low score is not this; every prop firm has angry traders. This is separate from having no legal entity: a firm can publish its registration number and still be caught doing it.
What they published
“Profit payouts derive primarily from the registration fees the company collects – not from real trading profits.”Scorecard
11Trails on daily closes only, then freezes at your starting balance
A named company, but no financial regulator anywhere — or a light-touch one only
A per-request cap well below the account size
A stale marketing figure and nothing more
Reviews suppressed for manipulation, or the firm is gone
Each axis is scored 0–5 against a published scale. The line under each bar is the rung this firm landed on — not our summary of it, the scale entry itself.
The score is published anyway, because it is the honest picture: a firm can be strong on four axes and still be disqualified on one mechanism. A disqualifier is not a low grade — it is a rule we will not trade under at any price.
Plan by plan
6 of this firm’s challenges were read plan by plan, with a citation behind every answer. See them side by side →
Flagship product with Smart Drawdown: starts at -10% and freezes at -5% of starting balance permanently upon achieving a 5% gain. No daily drawdown and no evaluation, but news trading and weekend holding are turned off by default and sold back as paid add-ons.
Similar to standard Instant Funding with a 10% Smart Drawdown that freezes at -5% of starting balance upon achieving 5% gain, but adds a strict 4% daily drawdown limit.
Static 6% drawdown from start balance, combined with a 4% daily limit and a 1% per-position risk limit. No evaluation required, but features a 15% best day consistency score on payouts.
Pure 24-hour instant account with 90% split, static 4% drawdown, 2% daily limit and a 1% risk limit per position. Only one trade can be open at a time.
No profit target and no daily loss, running on the standard 10% Smart Drawdown that freezes at -5%. Adds a 2.5% Account Drawdown rule which penalizes your profit split to 50% on the first flag and breaches on the second.
A 6% profit target challenge with 4% EOD trailing drawdown that freezes at starting balance, and no daily loss limit. Features a strict 40% best day consistency score and 5 minimum profitable days of 0.25% at both stages.
Trustpilot
score withheld by Trustpilot — this is the figure it computes but will not show
Trustpilot removed reviews it found to be fake and withheld the rating. This is not a low score — it is a third party concluding the firm wrote its own praise.
What this firm published
Everything below is quoted from a page we opened, on the date shown. The quotes are in the firm’s own language, exactly as published — never edited, never shortened, never swapped for a translation. On the Spanish edition our own rendering appears underneath each one, unquoted and marked as ours: the quotation marks on this site mean the words are the firm’s, and nothing we wrote ever wears them. Where we have not read enough to put a number on an axis, we say so instead of guessing.
4/5
Can you even pass?
Almost nobody who pays for an evaluation ever reaches a funded account, so this is the part of the product most customers actually buy. Every firm advertises its profit target; none of them advertises that target next to how much you are allowed to lose while chasing it.
3/5
Can you keep the money?
The drawdown takes the account away; the payout rules take the money. Answered by whichever of the two we can measure and is worse — they are two ways of losing the same thing, so a good half cannot pay for a bad one.
2/5
Is anyone behind it?
A named company, a market, and rules you could read before paying. These three do not substitute for one another — a company you can sue does not stop existing because the account is a simulation — so this is the average of the ones we could measure, not the worst.
How hard the test is
Not the profit target on the sales page — that target measured against the room you are given to reach it.
How much you must win to surviveNo such thing in this plan.—
“Profit target No No No No 10%”A profit target only means something next to the room you are given to reach it. Ten per cent to make against ten to lose is a coin flip sold as an exam.
Days you have to finishThey state there is none.3/3
“Time limits No”A deadline turns a test of skill into a test of whether the market happened to move during your month.
Trading days you must put inThey state there is none.2/2
“Minimum trading days –”Cuts both ways: it costs you time, and it also stops an account passing on one lucky afternoon you could never repeat.
A second attempt costsThey do not say.0/2
we read the page that should answer this and it does not
A free second attempt turns one bad week into a delay instead of another invoice.
Profit targetNo such thing in this plan.—
“Profit target No No No No 10%”Maximum loss
The loss limit that closes your account. Does it sit still, or does it climb behind you as you win?
What makes the loss limit riseit rises tick by tick, while you trade0.75/3
“Your maximum loss is limited to 10% of your starting balance . This is managed through a Smart Drawdown — a hybrid drawdown model. It starts at -10% and automatically adjusts to -5% once you achieve a 5% gain on your account balance.”A limit that climbs takes back the cushion you already earned.
Where the limit stops risingat your starting balance3/3
“Once you make 5% profit ($500), your Max drawdown level adjusts to $9,500.”The difference between a danger with an end date and one that never ends.
What the limit is measured againstlive equity, open trades included1/2
“Your maximum loss is limited to 10% of your starting balance .”Decides whether a trade that dips and recovers can close an account that ended the day green.
What taking a payout does to the limitnothing — the limit stays where it was2/2
“It starts at -10% and automatically adjusts to -5% once you achieve a 5% gain on your account balance.”Taking your money out should not leave you closer to losing the account.
Daily limitThey state there is none.2/2
“Daily drawdown –”A generous percentage measured on live equity is not generous — it is the same number with a trapdoor under it.
Total loss allowed10%1/1
“Your maximum loss is limited to 10% of your starting balance .”How much room you have. Worth little, because almost every firm offers the same.
Withdrawing
How much can leave the account, how soon, how often — and whether they can say no.
Withdrawals before the account endsThey publish no ceiling.3/3
we read the page that should answer this and it does not
The cap per withdrawal times how many they allow is the real size of the account. One plan here is sold on a $200,000 banner and closes after five withdrawals of $2,100.
What else a payout changesThey do not say.0/3
we read the page that should answer this and it does not
The floor is not the only thing a withdrawal moves, and the rest of it is never on the same page. Position size, the consistency rule and the share you are paid all reset or shift at some firms, and a trader who checked only the drawdown finds out afterwards.
What breaking the consistency rule costsThey do not say.0/3
we read the page that should answer this and it does not
Weighted by what it costs, not by existing: reading plan by plan, no consistency rule ever closed an account — they postponed the withdrawal.
Can it refuse without giving a reasonyes — it reserves that right in writing0/3
“We will never avoid paying a legitimate customer their payout of the simulated profits they have generated through legitimate strategies. Legitimate strategies do not include arbitrage, cheating or third-party account management. Please note that, we can manually adjust and set parameters that will help identify and prevent any prohibited conduct of users.”“We may decline for any reason” is not a rule, it is the absence of one — it makes every other number on this axis conditional on goodwill.
Days before you can ask for money14 days2/2
“Your first withdrawal is available 14 days after your initial trade.”How long your money is theirs.
Does that cap rise with the accountno — it stays where it is0/2
“This means scaling doesn’t count against your cap. If an account grows through a scaling plan, only the original starting balance is counted”Profit required before the first request5%1/1
“Drawdown Adjustment: Upon achieving a 5% balance gain, the drawdown updates to -5% of the starting balance.”How much you have to make before you can touch anything.
Fee charged to pay youThey do not say.0/1
we read the page that should answer this and it does not
What they charge you to pay you.
Most one withdrawal can pay you
How you may trade
Can you trade the way you actually trade — around the news, over the weekend, at the size and speed you use?
Restriction around the newsyou may not open around a release—
“Otherwise, trades executed within 4 minutes before or after a major news event are restricted.”Mandatory stop-lossThey do not say.—
we read the page that should answer this and it does not
Forced close before the weekendnothing may stay open over the weekend—
“Weekend holding is not allowed unless you purchase the Weekend Holding add-on .”Leverage1:100 → 1:2by instrument
—
by instrument
“Currencies – 1:100
Commodities – 1:20
Indices – 1:20
Crypto – 1:2”Limit on position sizeThey do not say.—
we read the page that should answer this and it does not
No score here, on purpose. The six axes above ask whether the firm can take your money or refuse to pay it. These rules ask something else — whether you can trade your way — and the right weight depends on who is reading: a minimum holding time decides the account for a scalper and is invisible to anyone else, while the weekend rule is the reverse. A single number would be wrong for half of you, and would look decided. The firm’s own sentences are here; the judgement is yours.
How it grows
What makes the account get bigger, how big it can get, and whether the path ends at a real market or at a larger simulation.
What makes the account growprofit—
“You can double your Instant Funding account size after achieving a minimum 10% gain, up to a maximum balance of $1,280,000.”How large it can get$1,280,000—
“Maximum Scaling : $1,280,000.”One of these questions is scored and it is not here. “Does the cap rise with the account” sits on the cash axis, next to the cap itself, because it has a right answer: a bigger account that pays the same cheque has handed you a larger number and the same money. The three below are different. A two-million ceiling is the whole point of the product for one reader and irrelevant to someone who wants one clean payout, so the firm’s sentences are here and the weight is yours.
How hard the test is
Not the profit target on the sales page — that target measured against the room you are given to reach it.
How much you must win to surviveNo such thing in this plan.—
“Profit target No No No No 10%”A profit target only means something next to the room you are given to reach it. Ten per cent to make against ten to lose is a coin flip sold as an exam.
Days you have to finishThey state there is none.3/3
“Time limits No”A deadline turns a test of skill into a test of whether the market happened to move during your month.
Trading days you must put inThey state there is none.2/2
“Minimum trading days –”Cuts both ways: it costs you time, and it also stops an account passing on one lucky afternoon you could never repeat.
A second attempt costsThey do not say.0/2
we read the page that should answer this and it does not
A free second attempt turns one bad week into a delay instead of another invoice.
Profit targetNo such thing in this plan.—
“Profit target No No No No 10%”Maximum loss
The loss limit that closes your account. Does it sit still, or does it climb behind you as you win?
What makes the loss limit riseit rises tick by tick, while you trade0.75/3
“Smart Drawdown 10%”A limit that climbs takes back the cushion you already earned.
Where the limit stops risingat your starting balance3/3
“Once you make 5% profit ($500), your Max drawdown level adjusts to $9,500.”The difference between a danger with an end date and one that never ends.
What the limit is measured againstlive equity, open trades included1/2
“Smart Drawdown 10%”Decides whether a trade that dips and recovers can close an account that ended the day green.
What taking a payout does to the limitnothing — the limit stays where it was2/2
“Once you make 5% profit ($500), your Max drawdown level adjusts to $9,500.”Taking your money out should not leave you closer to losing the account.
Daily limit4%, measured on live equity, open trades included0.96/2
“Daily drawdown – 4%”A generous percentage measured on live equity is not generous — it is the same number with a trapdoor under it.
Total loss allowed10%1/1
“Smart Drawdown 10%”How much room you have. Worth little, because almost every firm offers the same.
Withdrawing
How much can leave the account, how soon, how often — and whether they can say no.
Withdrawals before the account endsThey publish no ceiling.3/3
we read the page that should answer this and it does not
The cap per withdrawal times how many they allow is the real size of the account. One plan here is sold on a $200,000 banner and closes after five withdrawals of $2,100.
What else a payout changesThey do not say.0/3
we read the page that should answer this and it does not
The floor is not the only thing a withdrawal moves, and the rest of it is never on the same page. Position size, the consistency rule and the share you are paid all reset or shift at some firms, and a trader who checked only the drawdown finds out afterwards.
What breaking the consistency rule costsThey do not say.0/3
we read the page that should answer this and it does not
Weighted by what it costs, not by existing: reading plan by plan, no consistency rule ever closed an account — they postponed the withdrawal.
Can it refuse without giving a reasonyes — it reserves that right in writing0/3
“We will never avoid paying a legitimate customer their payout of the simulated profits they have generated through legitimate strategies. Legitimate strategies do not include arbitrage, cheating or third-party account management. Please note that, we can manually adjust and set parameters that will help identify and prevent any prohibited conduct of users.”“We may decline for any reason” is not a rule, it is the absence of one — it makes every other number on this axis conditional on goodwill.
Days before you can ask for money14 days2/2
“Your first payout is available 14 days after your first trade.”How long your money is theirs.
Does that cap rise with the accountno — it stays where it is0/2
“This means scaling doesn’t count against your cap.”Profit required before the first request5%1/1
“Drawdown Adjustment: Upon achieving a 5% balance gain, the drawdown updates to -5% of the starting balance.”How much you have to make before you can touch anything.
Fee charged to pay youThey do not say.0/1
we read the page that should answer this and it does not
What they charge you to pay you.
Most one withdrawal can pay you
How you may trade
Can you trade the way you actually trade — around the news, over the weekend, at the size and speed you use?
Restriction around the newsyou may not open around a release—
“Otherwise, trades executed within 4 minutes before or after a major news event are restricted.”Mandatory stop-lossThey do not say.—
we read the page that should answer this and it does not
Forced close before the weekendnothing may stay open over the weekend—
“Weekend holding is not allowed unless you purchase the Weekend Holding add-on .”Leverage1:100 → 1:2by instrument
—
by instrument
“Currencies – 1:100
Commodities – 1:20
Indices – 1:20
Crypto – 1:2”Limit on position sizeThey do not say.—
we read the page that should answer this and it does not
No score here, on purpose. The six axes above ask whether the firm can take your money or refuse to pay it. These rules ask something else — whether you can trade your way — and the right weight depends on who is reading: a minimum holding time decides the account for a scalper and is invisible to anyone else, while the weekend rule is the reverse. A single number would be wrong for half of you, and would look decided. The firm’s own sentences are here; the judgement is yours.
How it grows
What makes the account get bigger, how big it can get, and whether the path ends at a real market or at a larger simulation.
What makes the account growprofit—
“You can double your Instant Funding GO account size after achieving a minimum 10% gain, up to a maximum balance of $1,280,000.”How large it can get$1,280,000—
“Maximum Scaling : $1,280,000.”One of these questions is scored and it is not here. “Does the cap rise with the account” sits on the cash axis, next to the cap itself, because it has a right answer: a bigger account that pays the same cheque has handed you a larger number and the same money. The three below are different. A two-million ceiling is the whole point of the product for one reader and irrelevant to someone who wants one clean payout, so the firm’s sentences are here and the weight is yours.
How hard the test is
Not the profit target on the sales page — that target measured against the room you are given to reach it.
How much you must win to surviveNo such thing in this plan.—
“Profit target No No No No 10%”A profit target only means something next to the room you are given to reach it. Ten per cent to make against ten to lose is a coin flip sold as an exam.
Days you have to finishThey state there is none.3/3
“Time limits No”A deadline turns a test of skill into a test of whether the market happened to move during your month.
Trading days you must put inThey state there is none.2/2
“Minimum trading days –”Cuts both ways: it costs you time, and it also stops an account passing on one lucky afternoon you could never repeat.
A second attempt costsThey do not say.0/2
we read the page that should answer this and it does not
A free second attempt turns one bad week into a delay instead of another invoice.
Profit targetNo such thing in this plan.—
“Profit target No No No No 10%”Maximum loss
The loss limit that closes your account. Does it sit still, or does it climb behind you as you win?
What makes the loss limit riseThey state there is none.3/3
“Your maximum loss is limited to 6% of your starting balance .”A limit that climbs takes back the cushion you already earned.
What the limit is measured againstlive equity, open trades included1/2
“with $10,000 starting balance, your account can’t drop below $9,400.”Decides whether a trade that dips and recovers can close an account that ended the day green.
What taking a payout does to the limitnothing — the limit stays where it was2/2
“maximum loss is limited to 6% of your starting balance .”Taking your money out should not leave you closer to losing the account.
Daily limit4%, measured on live equity, open trades included0.96/2
“You may not lose more than 4% of your account value per day.”A generous percentage measured on live equity is not generous — it is the same number with a trapdoor under it.
Total loss allowed6%0.50/1
“Your maximum loss is limited to 6% of your starting balance .”How much room you have. Worth little, because almost every firm offers the same.
Where the limit stops risingat your starting balance—
“maximum loss is limited to 6% of your starting balance .”The difference between a danger with an end date and one that never ends.
Withdrawing
How much can leave the account, how soon, how often — and whether they can say no.
Withdrawals before the account endsThey publish no ceiling.3/3
we read the page that should answer this and it does not
The cap per withdrawal times how many they allow is the real size of the account. One plan here is sold on a $200,000 banner and closes after five withdrawals of $2,100.
What else a payout changesThey do not say.0/3
we read the page that should answer this and it does not
The floor is not the only thing a withdrawal moves, and the rest of it is never on the same page. Position size, the consistency rule and the share you are paid all reset or shift at some firms, and a trader who checked only the drawdown finds out afterwards.
What breaking the consistency rule costsit delays the payout2.10/3
“Your best trading day must not exceed 15% of your total profit”Weighted by what it costs, not by existing: reading plan by plan, no consistency rule ever closed an account — they postponed the withdrawal.
Can it refuse without giving a reasonyes — it reserves that right in writing0/3
“We will never avoid paying a legitimate customer their payout of the simulated profits they have generated through legitimate strategies. Legitimate strategies do not include arbitrage, cheating or third-party account management. Please note that, we can manually adjust and set parameters that will help identify and prevent any prohibited conduct of users.”“We may decline for any reason” is not a rule, it is the absence of one — it makes every other number on this axis conditional on goodwill.
Days before you can ask for moneyThey state there is none.2/2
“IF Micro offers on-demand payouts — you can withdraw your profit as soon as you meet these conditions”How long your money is theirs.
Does that cap rise with the accountno — it stays where it is0/2
“This means scaling doesn’t count against your cap.”Profit required before the first request5%1/1
“Your net profit must reach at least 5% of your starting balance”How much you have to make before you can touch anything.
Fee charged to pay youThey do not say.0/1
we read the page that should answer this and it does not
What they charge you to pay you.
Most one withdrawal can pay you
How you may trade
Can you trade the way you actually trade — around the news, over the weekend, at the size and speed you use?
Restriction around the newsThey state there is none.—
“News trading is enabled by default on all IF Micro accounts.”Mandatory stop-lossThey do not say.—
we read the page that should answer this and it does not
Forced close before the weekendThey state there is none.—
“You may hold trades both overnight and through the weekend .”Leverage1:100 → 1:2by instrument
—
by instrument
“Currencies – 1:100
Commodities – 1:20
Indices – 1:20
Crypto – 1:2”Limit on position sizeThey do not say.—
we read the page that should answer this and it does not
No score here, on purpose. The six axes above ask whether the firm can take your money or refuse to pay it. These rules ask something else — whether you can trade your way — and the right weight depends on who is reading: a minimum holding time decides the account for a scalper and is invisible to anyone else, while the weekend rule is the reverse. A single number would be wrong for half of you, and would look decided. The firm’s own sentences are here; the judgement is yours.
How it grows
What makes the account get bigger, how big it can get, and whether the path ends at a real market or at a larger simulation.
What makes the account growprofit · time elapsed — all of them—
“increase your balance up to 100% of your original starting balance by growing your account by at least 10% over a 90-day period.”How large it can get2.00× where you started, once—
“increase your balance up to 100% of your original starting balance”One of these questions is scored and it is not here. “Does the cap rise with the account” sits on the cash axis, next to the cap itself, because it has a right answer: a bigger account that pays the same cheque has handed you a larger number and the same money. The three below are different. A two-million ceiling is the whole point of the product for one reader and irrelevant to someone who wants one clean payout, so the firm’s sentences are here and the weight is yours.
How hard the test is
Not the profit target on the sales page — that target measured against the room you are given to reach it.
How much you must win to surviveNo such thing in this plan.—
“IF1 provides instant access to a trading account active for 24 hours from the first trade .”A profit target only means something next to the room you are given to reach it. Ten per cent to make against ten to lose is a coin flip sold as an exam.
Days you have to finish1 days0/3
“IF1 provides instant access to a trading account active for 24 hours from the first trade .”A deadline turns a test of skill into a test of whether the market happened to move during your month.
Trading days you must put inThey state there is none.2/2
“IF1 provides instant access to a trading account active for 24 hours from the first trade .”Cuts both ways: it costs you time, and it also stops an account passing on one lucky afternoon you could never repeat.
A second attempt costsThey do not say.0/2
we read the page that should answer this and it does not
A free second attempt turns one bad week into a delay instead of another invoice.
Profit targetNo such thing in this plan.—
“IF1 provides instant access to a trading account active for 24 hours from the first trade .”Maximum loss
The loss limit that closes your account. Does it sit still, or does it climb behind you as you win?
What makes the loss limit riseThey state there is none.3/3
“IF1 provides instant access to a trading account active for 24 hours from the first trade .”A limit that climbs takes back the cushion you already earned.
What the limit is measured againstlive equity, open trades included1/2
“IF1 provides instant access to a trading account active for 24 hours from the first trade .”Decides whether a trade that dips and recovers can close an account that ended the day green.
What taking a payout does to the limitnothing — the limit stays where it was2/2
“IF1 provides instant access to a trading account active for 24 hours from the first trade .”Taking your money out should not leave you closer to losing the account.
Daily limit2%, measured on live equity, open trades included0.30/2
“Trading time 24 hours from the first trade”A generous percentage measured on live equity is not generous — it is the same number with a trapdoor under it.
Total loss allowed4%0.25/1
“IF1 provides instant access to a trading account active for 24 hours from the first trade .”How much room you have. Worth little, because almost every firm offers the same.
Where the limit stops risingat your starting balance—
“IF1 provides instant access to a trading account active for 24 hours from the first trade .”The difference between a danger with an end date and one that never ends.
Withdrawing
How much can leave the account, how soon, how often — and whether they can say no.
Withdrawals before the account ends1 in total0/3
“Trading time 24 hours from the first trade”The cap per withdrawal times how many they allow is the real size of the account. One plan here is sold on a $200,000 banner and closes after five withdrawals of $2,100.
What else a payout changesthe account ends0/3
“IF1 provides instant access to a trading account active for 24 hours from the first trade .”The floor is not the only thing a withdrawal moves, and the rest of it is never on the same page. Position size, the consistency rule and the share you are paid all reset or shift at some firms, and a trader who checked only the drawdown finds out afterwards.
What breaking the consistency rule costsit delays the payout2.10/3
“IF1 provides instant access to a trading account active for 24 hours from the first trade .”Weighted by what it costs, not by existing: reading plan by plan, no consistency rule ever closed an account — they postponed the withdrawal.
Can it refuse without giving a reasonyes — it reserves that right in writing0/3
“We will never avoid paying a legitimate customer their payout of the simulated profits they have generated through legitimate strategies. Legitimate strategies do not include arbitrage, cheating or third-party account management. Please note that, we can manually adjust and set parameters that will help identify and prevent any prohibited conduct of users.”“We may decline for any reason” is not a rule, it is the absence of one — it makes every other number on this axis conditional on goodwill.
Days before you can ask for money1 days2/2
“Trading time 24 hours from the first trade”How long your money is theirs.
Does that cap rise with the accountNo such thing in this plan.—
“IF1 provides instant access to a trading account active for 24 hours from the first trade .”Profit required before the first request2%1/1
“IF1 provides instant access to a trading account active for 24 hours from the first trade .”How much you have to make before you can touch anything.
Fee charged to pay youThey do not say.0/1
we read the page that should answer this and it does not
What they charge you to pay you.
Most one withdrawal can pay you
How you may trade
Can you trade the way you actually trade — around the news, over the weekend, at the size and speed you use?
Restriction around the newsThey state there is none.—
“News trading is enabled by default on all IF1 accounts.”Mandatory stop-lossThey do not say.—
we read the page that should answer this and it does not
Forced close before the weekendThey state there is none.—
“Weekend holding is technically allowed, but positions may close automatically if the market shuts”Leverage1:100 → 1:2by instrument
—
by instrument
“Currencies – 1:100
Commodities – 1:20
Indices – 1:20
Crypto – 1:2”Limit on position size4—
“IF1 account size FX Commodities/ Metals Indices Crypto
$2,000 0.8 0.06 0.4 0.2
$5,000 2 0.15 1 0.5
$10,000 4 0.3 2 1”No score here, on purpose. The six axes above ask whether the firm can take your money or refuse to pay it. These rules ask something else — whether you can trade your way — and the right weight depends on who is reading: a minimum holding time decides the account for a scalper and is invisible to anyone else, while the weekend rule is the reverse. A single number would be wrong for half of you, and would look decided. The firm’s own sentences are here; the judgement is yours.
How it grows
What makes the account get bigger, how big it can get, and whether the path ends at a real market or at a larger simulation.
What makes the account growNo such thing in this plan.—
“IF1 provides instant access to a trading account active for 24 hours from the first trade .”How large it can getNo such thing in this plan.—
“IF1 provides instant access to a trading account active for 24 hours from the first trade .”One of these questions is scored and it is not here. “Does the cap rise with the account” sits on the cash axis, next to the cap itself, because it has a right answer: a bigger account that pays the same cheque has handed you a larger number and the same money. The three below are different. A two-million ceiling is the whole point of the product for one reader and irrelevant to someone who wants one clean payout, so the firm’s sentences are here and the weight is yours.
How hard the test is
Not the profit target on the sales page — that target measured against the room you are given to reach it.
How much you must win to surviveNo such thing in this plan.—
“Instant Funding Clarity has no evaluation phase.”A profit target only means something next to the room you are given to reach it. Ten per cent to make against ten to lose is a coin flip sold as an exam.
Days you have to finishThey state there is none.3/3
“Time limits No”A deadline turns a test of skill into a test of whether the market happened to move during your month.
Trading days you must put inThey state there is none.2/2
“Instant Funding Clarity None”Cuts both ways: it costs you time, and it also stops an account passing on one lucky afternoon you could never repeat.
A second attempt costsThey do not say.0/2
we read the page that should answer this and it does not
A free second attempt turns one bad week into a delay instead of another invoice.
Profit targetNo such thing in this plan.—
“Instant Funding Clarity has no evaluation phase.”Maximum loss
The loss limit that closes your account. Does it sit still, or does it climb behind you as you win?
What makes the loss limit riseit rises tick by tick, while you trade0.75/3
“Your maximum loss is limited to 10% of your starting balance . This is managed through a Smart Drawdown — a hybrid drawdown model. It starts at -10% and automatically adjusts to -5% once you achieve a 5% gain on your account balance.”A limit that climbs takes back the cushion you already earned.
Where the limit stops risingat your starting balance3/3
“Once you make 5% profit ($500), your Max drawdown level adjusts to $9,500.”The difference between a danger with an end date and one that never ends.
What the limit is measured againstlive equity, open trades included1/2
“Your maximum loss is limited to 10% of your starting balance.”Decides whether a trade that dips and recovers can close an account that ended the day green.
What taking a payout does to the limitnothing — the limit stays where it was2/2
“It starts at -10% and automatically adjusts to -5% once you achieve a 5% gain on your account balance.”Taking your money out should not leave you closer to losing the account.
Daily limitThey state there is none.2/2
“Instant Funding Clarity has no daily drawdown.”A generous percentage measured on live equity is not generous — it is the same number with a trapdoor under it.
Total loss allowed10%1/1
“Smart Drawdown 10%”How much room you have. Worth little, because almost every firm offers the same.
Withdrawing
How much can leave the account, how soon, how often — and whether they can say no.
Withdrawals before the account endsThey publish no ceiling.3/3
we read the page that should answer this and it does not
The cap per withdrawal times how many they allow is the real size of the account. One plan here is sold on a $200,000 banner and closes after five withdrawals of $2,100.
What else a payout changesthe share you are paid falls1.20/3
“Instant Funding Clarity includes a 2.5% Account Drawdown rule — an additional risk control. On the first Account Drawdown flag the account is not breached; instead, your profit split is reduced to 50%.”The floor is not the only thing a withdrawal moves, and the rest of it is never on the same page. Position size, the consistency rule and the share you are paid all reset or shift at some firms, and a trader who checked only the drawdown finds out afterwards.
What breaking the consistency rule costsThey state there is none.3/3
“Best-day rule None”Weighted by what it costs, not by existing: reading plan by plan, no consistency rule ever closed an account — they postponed the withdrawal.
Can it refuse without giving a reasonyes — it reserves that right in writing0/3
“We will never avoid paying a legitimate customer their payout of the simulated profits they have generated through legitimate strategies. Legitimate strategies do not include arbitrage, cheating or third-party account management. Please note that, we can manually adjust and set parameters that will help identify and prevent any prohibited conduct of users.”“We may decline for any reason” is not a rule, it is the absence of one — it makes every other number on this axis conditional on goodwill.
Days before you can ask for money14 days2/2
“Payouts 14 days after your first trade and weekly after that”How long your money is theirs.
Does that cap rise with the accountno — it stays where it is0/2
“This means scaling doesn’t count against your cap.”Profit required before the first request5%1/1
“Drawdown Adjustment: Upon achieving a 5% balance gain, the drawdown updates to -5% of the starting balance.”How much you have to make before you can touch anything.
Fee charged to pay youThey do not say.0/1
we read the page that should answer this and it does not
What they charge you to pay you.
Most one withdrawal can pay you
How you may trade
Can you trade the way you actually trade — around the news, over the weekend, at the size and speed you use?
Restriction around the newsyou may not open around a release—
“Instant Funding Clarity Allowed with NTWH add-on”Mandatory stop-lossThey do not say.—
we read the page that should answer this and it does not
Forced close before the weekendnothing may stay open over the weekend—
“Instant Funding Clarity Allowed with NTWH add-on”Leverage1:100 → 1:2by instrument
—
by instrument
“Currencies – 1:100
Commodities – 1:20
Indices – 1:20
Crypto – 1:2”Limit on position sizeThey state there is none.—
“Lot exposure and lot caps do not apply to Instant Funding Clarity — there are no maximum lot limits by asset class on this product.”No score here, on purpose. The six axes above ask whether the firm can take your money or refuse to pay it. These rules ask something else — whether you can trade your way — and the right weight depends on who is reading: a minimum holding time decides the account for a scalper and is invisible to anyone else, while the weekend rule is the reverse. A single number would be wrong for half of you, and would look decided. The firm’s own sentences are here; the judgement is yours.
How it grows
What makes the account get bigger, how big it can get, and whether the path ends at a real market or at a larger simulation.
What makes the account growprofit—
“Trigger 10% profit target”How large it can get$1,280,000—
“Maximum Scaling : $1,280,000.”One of these questions is scored and it is not here. “Does the cap rise with the account” sits on the cash axis, next to the cap itself, because it has a right answer: a bigger account that pays the same cheque has handed you a larger number and the same money. The three below are different. A two-million ceiling is the whole point of the product for one reader and irrelevant to someone who wants one clean payout, so the firm’s sentences are here and the weight is yours.
How hard the test is
Not the profit target on the sales page — that target measured against the room you are given to reach it.
How much you must win to survivefor every $1 you are allowed to lose, you must make $1.52.40/8
“Profit target 6%”A profit target only means something next to the room you are given to reach it. Ten per cent to make against ten to lose is a coin flip sold as an exam.
Days you have to finishThey state there is none.3/3
“Time limits No”A deadline turns a test of skill into a test of whether the market happened to move during your month.
Trading days you must put in5 days1.60/2
“Minimum Profitable Days 5 days at 0.25%+”Cuts both ways: it costs you time, and it also stops an account passing on one lucky afternoon you could never repeat.
A second attempt costsThey do not say.0/2
we read the page that should answer this and it does not
A free second attempt turns one bad week into a delay instead of another invoice.
Profit target6%—
“Profit target 6%”Maximum loss
The loss limit that closes your account. Does it sit still, or does it climb behind you as you win?
What makes the loss limit riseit rises with the day's closing balanceno change1.65/3
“Calculation End-of-Day Drawdown”A limit that climbs takes back the cushion you already earned.
Where the limit stops risingThey do not say.0/3
we read the page that should answer this and it does not
The difference between a danger with an end date and one that never ends.
What the limit is measured againstlive equity, open trades includedno change1/2
“Your Maximum Loss Limit determines the maximum amount your account can lose before it is breached.”Decides whether a trade that dips and recovers can close an account that ended the day green.
What taking a payout does to the limitnothing — the limit stays where it was2/2
“The Maximum Loss Limit applies during both the Challenge and Funded stages.”Taking your money out should not leave you closer to losing the account.
Daily limitThey state there is none.no change2/2
“Daily loss None”A generous percentage measured on live equity is not generous — it is the same number with a trapdoor under it.
Total loss allowed4%no change0.25/1
“Max loss limit 4% EOD”How much room you have. Worth little, because almost every firm offers the same.
Withdrawing
How much can leave the account, how soon, how often — and whether they can say no.
Withdrawals before the account ends5 in total0.60/3
“5 payouts
Maximum Payouts Per Account”The cap per withdrawal times how many they allow is the real size of the account. One plan here is sold on a $200,000 banner and closes after five withdrawals of $2,100.
What else a payout changesthe day count starts over · the account ends0/3
“Minimum Profitable Days 5 days at 0.25%+”“Once an account has received its fifth payout, no further payouts can be requested from that account.”The floor is not the only thing a withdrawal moves, and the rest of it is never on the same page. Position size, the consistency rule and the share you are paid all reset or shift at some firms, and a trader who checked only the drawdown finds out afterwards.
What breaking the consistency rule costsit delays the payoutno change2.10/3
“Consistency rule 40% Best Day”Weighted by what it costs, not by existing: reading plan by plan, no consistency rule ever closed an account — they postponed the withdrawal.
Can it refuse without giving a reasonyes — it reserves that right in writing0/3
“We will never avoid paying a legitimate customer their payout of the simulated profits they have generated through legitimate strategies. Legitimate strategies do not include arbitrage, cheating or third-party account management. Please note that, we can manually adjust and set parameters that will help identify and prevent any prohibited conduct of users.”“We may decline for any reason” is not a rule, it is the absence of one — it makes every other number on this axis conditional on goodwill.
Days before you can ask for moneyThey state there is none.2/2
“First payout On-demand”How long your money is theirs.
Most one withdrawal can pay you4.0% of the account, at worst1/2
“Example: on a $50,000 account, your Maximum Loss Limit is $2,000.”$2,000 is generous on a $25K account and a joke on a $200K one, so it is measured as a share and at the worst size sold.
Does that cap rise with the accountThey do not say.0/2
we read the page that should answer this and it does not
Profit required before the first requestThey do not say.0/1
we read the page that should answer this and it does not
How much you have to make before you can touch anything.
Fee charged to pay youThey do not say.0/1
we read the page that should answer this and it does not
What they charge you to pay you.
How you may trade
Can you trade the way you actually trade — around the news, over the weekend, at the size and speed you use?
Restriction around the newsThey state there is none.no change—
“News trading is allowed on Evolve accounts.”Mandatory stop-lossThey do not say.no change—
we read the page that should answer this and it does not
Forced close before the weekendnothing may stay open over the weekendno change—
“Weekend holding Not permitted”Leverage1:30 → 1:2by instrument
no change—
by instrument
“Currencies – 1:30
Commodities – 1:20
Indices – 1:20
Crypto – 1:2”Limit on position sizeThey do not say.no change—
we read the page that should answer this and it does not
No score here, on purpose. The six axes above ask whether the firm can take your money or refuse to pay it. These rules ask something else — whether you can trade your way — and the right weight depends on who is reading: a minimum holding time decides the account for a scalper and is invisible to anyone else, while the weekend rule is the reverse. A single number would be wrong for half of you, and would look decided. The firm’s own sentences are here; the judgement is yours.
How it grows
What makes the account get bigger, how big it can get, and whether the path ends at a real market or at a larger simulation.
What makes the account growThey do not say.—
we read the page that should answer this and it does not
How large it can getThey do not say.—
we read the page that should answer this and it does not
Where the path endsThey do not say.—
we read the page that should answer this and it does not
One of these questions is scored and it is not here. “Does the cap rise with the account” sits on the cash axis, next to the cap itself, because it has a right answer: a bigger account that pays the same cheque has handed you a larger number and the same money. The three below are different. A two-million ceiling is the whole point of the product for one reader and irrelevant to someone who wants one clean payout, so the firm’s sentences are here and the weight is yours.
The rules in writing
Could you read the rule before paying, and can they change it afterwards?
Where the rule that binds you is publishedin a help-centre article the contract never mentions1.20/4
“Our trading rules are designed to create a transparent, fair and supportive trading environment.”If the rule that binds you lives in a help article your contract never mentions, you did not sign it.
Can it change the rules without noticeyes, and it says so0.60/3
“We have clear and transparent terms and conditions that govern our services and our relationship with our customers. Our Terms and Conditions detail what our customers can and can’t do whilst participating in our Instant Funding Challenges and are in place to protect the integrity of our business.”The clause that makes every dated verdict perishable, including ours. Near-universal, so not fatal.
Is the binding document datedno date anywhere on it0.60/2
“We amend these Website Terms from time to time. Every time you wish to use our site, please check these Website Terms to ensure you understand the terms that apply at that time.”Without a date you cannot tell whether the rule you read is the rule they apply.
We compared their own pages against each other and found nothing that contradicts.
The company behind it
If it goes wrong, which company do you claim against, and under whose laws?
The company you contract withIF Pro Ltdno change4/4
“IF Pro Ltd, a company incorporated in Saint Lucia with company registration number: 2025-00056 and registered offices at: The top floor, Rodney Court Building, Rodney Bay, Gros Islet, Saint Lucia. IF Pro Ltd is an International Business Company. Acello Ltd is the payment agent for IF Pro Ltd.”With no named company there is nobody to sue.
Where it is registeredSaint Luciano change1/2
“IF Pro Ltd, a company incorporated in Saint Lucia”A claim in the Czech Republic and a claim in St Vincent are not the same claim.
Its registration number2025-00056no change2/2
“company registration number: 2025-00056”What turns a name into something checkable in a public register.
That company owns the brandno — the brand sits elsewhere0.40/2
“Acello Ltd (Payment Agent of IF Pro Ltd, with a trading name of Instant Funding), a company incorporated in England and Wales with company number 12696083”Signing with a company other than the brand’s owner separates who sold to you from who answers to you.
The people behind it are namedno0.80/2
“Acello Ltd (Payment Agent of IF Pro Ltd, with a trading name of Instant Funding)”Named people can be looked up. A company on its own cannot always be.
Almost no firm here has a financial regulator, because selling simulated evaluations is not a regulated activity anywhere. Of the 114 firms we scored by hand, 96 sat in the bottom two rungs of backing for this reason. So we do not count it against anyone — it only adds when a firm genuinely has one.
The market
Do your orders reach a market, or is all of it a simulation?
What the funded account issimulated, with no route to real capital0/4
“All trading activities performed using our trading platform are executed in a simulated environment. Please note that, we only offer virtual demo accounts where live market conditions are simulated and any reference to “funded” used on our website or in any of our terms and conditions is a reference to virtual funding only.”The question that separates a firm that earns when you lose from one that earns when you last.
The broker or clearer namedNone3/3
“IF Pro Ltd does not conduct brokerage services or offer real trading accounts on this website. Its services are limited to simulated trading programs.”Almost nobody names one, because almost no account reaches a market. It adds when present.
Conditions to reach a real marketNo such thing in this plan.—
“All trading activities performed using our trading platform are executed in a simulated environment. Please note that, we only offer virtual demo accounts where live market conditions are simulated and any reference to “funded” used on our website or in any of our terms and conditions is a reference to virtual funding only.”Promising a route to a real market without publishing the conditions is promising nothing.
We read the rules of every plan it sells and issued a verdict on each one.