Instant Funding rules 2026: drawdown, payout, news
The profit split is n/a. News executions are restricted for 4 minutes unless an add-on applies. South African eligibility is n/a.
Max loss
Static 10%
Daily
5% daily
News
4-min news ban
Payout
On-demand · split n/a
Country availability
Check the firm's country list. We have not verified one.
General terms · checked 9 November 2026. Full country list was not on the page we checked.
Two-Phase
Two-Phase
Preflight Rule-Risk Score
35/100 · tighter rules score higher. 6 of 6 scored. Method
- Drawdown mechanics 0 / 25
Static 10% / $10,000. Scored 0.
- Starting loss cushion 0 / 20
Starting allowance 10%. Scored 0.
- Daily limit 5 / 15
5% of the higher of balance and equity at 17:00 EST. Initial example $5,000. The source says EST, not a DST-adjusted ET label. 17:00 EST is 00:00 SAST the following day. Scored 5.
- News execution 15 / 15
Without the add-on, executions 4 minutes before and after major events are restricted. A profit adjustment or reset may also apply. Scored 15 for the execution restriction.
- Profit distribution 10 / 15
40% best day for the on-demand payout. Scored 10.
- Payout gates 5 / 10
On demand after 1.5% net profit or $25, whichever is larger ($1,500 at USD 100,000). Scored 5. Profit split is n/a and is not a score input. No retention buffer was stated, so none was added.
Notes, changes, open questions
Loss floor
Worked example. Static 10% of USD 100,000 is a $10,000 maximum loss.
Daily reset
Daily loss is 5% of the higher of balance and equity, taken at 17:00 EST. The initial example on USD 100,000 is $5,000.
The source says EST, not a clock that automatically follows daylight saving. Literally, 17:00 EST is 00:00 SAST the following day. This page does not guess a seasonal rollover.
News
Without the add-on, executions 4 minutes before and after major events are restricted. A profit adjustment or a reset may also apply.
Weekend holding on a funded account requires the combined news and weekend add-on.
Rules
- Programme
- Two-Phase, USD 100,000.
- Targets
- 8% then 5%. At least three separate days. No maximum time limit.
- Maximum loss
- Static 10% / $10,000.
- Daily loss
- 5% of the higher of balance and equity at 17:00 EST.
- Consistency
- 40% best day, for the on-demand payout.
- Payout
- On demand after 1.5% net profit or $25, whichever is larger. At USD 100,000 the profit test is $1,500. Split: n/a.
- Trade idea
- A trade idea cannot risk or lose more than 50% of the starting daily drawdown. Initial example $2,500. Re-entry within 10 minutes, same instrument and direction, is the same idea.
- Lot caps at 100K
- FX 40, metals 3, indices 20, crypto 10. A breach resets the account.
- Inactivity
- 60 days.
Watch-outs
- The profit split is n/a, so any published percentage you did not read on the Two-Phase page is not this desk's figure. The payout score uses the 1.5% threshold only.
- A news add-on changes the 4-minute restriction. Without it, the window is an execution ban, and a profit adjustment can still apply.
- The trade-idea rule can be tighter than the daily loss. Half of the starting daily drawdown is $2,500 in the initial USD 100,000 example, and a quick re-entry counts as the same idea.
- South African eligibility cannot be answered from the pages checked. The terms mention Instant Funding South Africa and then point at an AML policy that was not fully read.
Changes
Check note No dated change verified. Recent change: n/a. No old-versus-current comparison was checked.
Still open
- Profit split on the Two-Phase page.
- South African eligibility, pending the AML country list.
- Whether a retention buffer exists. None was stated. The score does not invent one, and it does not treat the missing split as a buffer.
Related
- Instant Funding vs FTMO
- FTMO vs FundedNext
- FundingPips vs The5ers
- E8 Markets rules
- Alpha Capital rules
- AquaFunded rules
Sources
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