Firm Overview
Trading infrastructure and payment options
Broker
N/A
Trading Platforms
2 platforms available
Payment Methods
Deposit options
Payout Methods
Withdrawal options
Challenges & Journey
Challenges & Journey
Choose your path to funded trading
| 10K 1 Phase Challenge | 25K 1 Phase Challenge | 50K 1 Phase Challenge | 100K 1 Phase Challenge | 200K 1 Phase Challenge | 300K 1 Phase Challenge | 10K 2 Phase Challenge | 25K 2 Phase Challenge | 50K 2 Phase Challenge | 100K 2 Phase Challenge | 200K 2 Phase Challenge | 300K 2 Phase Challenge | 10K 1 Phase Zero Challenge | 25K 1 Phase Zero Challenge | 50K 1 Phase Zero Challenge | 100K 1 Phase Zero Challenge | 200K 1 Phase Zero Challenge | 300K 1 Phase Zero Challenge | 10K 2 Phase Zero Challenge | 25K 2 Phase Zero Challenge | 50K 2 Phase Zero Challenge | 100K 2 Phase Zero Challenge | 200K 2 Phase Zero Challenge | 300K 2 Phase Zero Challenge | 2K Instant Funding | 5K Instant Funding | 10K Instant Funding | 25K Instant Funding | 50K Instant Funding | 100K Instant Funding | 200K Instant Funding | 10K Bybit 1 Phase Challenge | 25K Bybit 1 Phase Challenge | 50K Bybit 1 Phase Challenge | 100K Bybit 1 Phase Challenge | 10K Bybit 2 Phase Challenge | 25K Bybit 2 Phase Challenge | 50K Bybit 2 Phase Challenge | 100K Bybit 2 Phase Challenge | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Profit Split | 80.000% | 80.000% | 80.000% | 80.000% | 80.000% | 80.000% | 80.000% | 80.000% | 80.000% | 80.000% | 80.000% | 80.000% | 80.000% | 80.000% | 80.000% | 80.000% | 80.000% | 80.000% | 80.000% | 80.000% | 80.000% | 80.000% | 80.000% | 80.000% | 80.000% | 80.000% | 80.000% | 80.000% | 80.000% | 80.000% | 80.000% | 80.000% | 80.000% | 80.000% | 80.000% | 80.000% | 80.000% | 80.000% | 80.000% |
| Max Drawdown | 6.000% | 6.000% | 6.000% | 6.000% | 6.000% | 6.000% | 10.000% | 10.000% | 10.000% | 10.000% | 10.000% | 10.000% | 6.000% | 6.000% | 6.000% | 6.000% | 6.000% | 6.000% | 10.000% | 10.000% | 10.000% | 10.000% | 10.000% | 10.000% | 6.000% | 6.000% | 6.000% | 6.000% | 6.000% | 6.000% | 6.000% | 6.000% | 6.000% | 6.000% | 6.000% | 10.000% | 10.000% | 10.000% | 10.000% |
| Daily Loss Limit | 4.000% | 4.000% | 4.000% | 4.000% | 4.000% | 4.000% | 5.000% | 5.000% | 5.000% | 5.000% | 5.000% | 5.000% | 4.000% | 4.000% | 4.000% | 4.000% | 4.000% | 4.000% | 5.000% | 5.000% | 5.000% | 5.000% | 5.000% | 5.000% | 4.000% | 4.000% | 4.000% | 4.000% | 4.000% | 4.000% | 4.000% | 4.000% | 4.000% | 4.000% | 4.000% | 5.000% | 5.000% | 5.000% | 5.000% |
| Phase 1 Target | 10.000% | 10.000% | 10.000% | 10.000% | 10.000% | 10.000% | 8.000% | 8.000% | 8.000% | 8.000% | 8.000% | 8.000% | 10.000% | 10.000% | 10.000% | 10.000% | 10.000% | 10.000% | 8.000% | 8.000% | 8.000% | 8.000% | 8.000% | 8.000% | — | — | — | — | — | — | — | 10.000% | 10.000% | 10.000% | 10.000% | 8.000% | 8.000% | 8.000% | 8.000% |
| Phase 2 Target | — | — | — | — | — | — | 5.000% | 5.000% | 5.000% | 5.000% | 5.000% | 5.000% | — | — | — | — | — | — | 5.000% | 5.000% | 5.000% | 5.000% | 5.000% | 5.000% | — | — | — | — | — | — | — | — | — | — | — | 5.000% | 5.000% | 5.000% | 5.000% |
| Min Trading Days | 5 | 5 | 5 | 5 | 5 | 5 | 5 | 5 | 5 | 5 | 5 | 5 | 5 | 5 | 5 | 5 | 5 | 5 | 5 | 5 | 5 | 5 | 5 | 5 | 5 | 5 | 5 | 5 | 5 | 5 | 5 | 5 | 5 | 5 | 5 | 5 | 5 | 5 | 5 |
| Max Leverage | 1:100 | 1:100 | 1:100 | 1:100 | 1:100 | 1:100 | 1:100 | 1:100 | 1:100 | 1:100 | 1:100 | 1:100 | 1:100 | 1:100 | 1:100 | 1:100 | 1:100 | 1:100 | 1:100 | 1:100 | 1:100 | 1:100 | 1:100 | 1:100 | 1:100 | 1:100 | 1:100 | 1:100 | 1:100 | 1:100 | 1:100 | — | — | — | — | — | — | — | — |
| Drawdown Type | Static | Static | Static | Static | Static | Static | Static | Static | Static | Static | Static | Static | Static | Static | Static | Static | Static | Static | Static | Static | Static | Static | Static | Static | Trailing | Trailing | Trailing | Trailing | Trailing | Trailing | Trailing | Static | Static | Static | Static | Static | Static | Static | Static |
| Payout Frequency | Bi-weekly; payout eligibility requires at least 5 trading days and 14 active days | Bi-weekly; payout eligibility requires at least 5 trading days and 14 active days | Bi-weekly; payout eligibility requires at least 5 trading days and 14 active days | Bi-weekly; payout eligibility requires at least 5 trading days and 14 active days | Bi-weekly; payout eligibility requires at least 5 trading days and 14 active days | Bi-weekly; payout eligibility requires at least 5 trading days and 14 active days | Bi-weekly; payout eligibility requires at least 5 trading days and 14 active days | Bi-weekly; payout eligibility requires at least 5 trading days and 14 active days | Bi-weekly; payout eligibility requires at least 5 trading days and 14 active days | Bi-weekly; payout eligibility requires at least 5 trading days and 14 active days | Bi-weekly; payout eligibility requires at least 5 trading days and 14 active days | Bi-weekly; payout eligibility requires at least 5 trading days and 14 active days | Bi-weekly; no consistency rule on this program | Bi-weekly; no consistency rule on this program | Bi-weekly; no consistency rule on this program | Bi-weekly; no consistency rule on this program | Bi-weekly; no consistency rule on this program | Bi-weekly; no consistency rule on this program | Bi-weekly; no consistency rule on this program | Bi-weekly; no consistency rule on this program | Bi-weekly; no consistency rule on this program | Bi-weekly; no consistency rule on this program | Bi-weekly; no consistency rule on this program | Bi-weekly; no consistency rule on this program | Bi-weekly; funded from purchase, payout needs 5 trading days and 14 active days | Bi-weekly; funded from purchase, payout needs 5 trading days and 14 active days | Bi-weekly; funded from purchase, payout needs 5 trading days and 14 active days | Bi-weekly; funded from purchase, payout needs 5 trading days and 14 active days | Bi-weekly; funded from purchase, payout needs 5 trading days and 14 active days | Bi-weekly; funded from purchase, payout needs 5 trading days and 14 active days | Bi-weekly; funded from purchase, payout needs 5 trading days and 14 active days | Bi-weekly; traded on the Bybit exchange, crypto pairs only | Bi-weekly; traded on the Bybit exchange, crypto pairs only | Bi-weekly; traded on the Bybit exchange, crypto pairs only | Bi-weekly; traded on the Bybit exchange, crypto pairs only | Bi-weekly; traded on the Bybit exchange, crypto pairs only | Bi-weekly; traded on the Bybit exchange, crypto pairs only | Bi-weekly; traded on the Bybit exchange, crypto pairs only | Bi-weekly; traded on the Bybit exchange, crypto pairs only |
| Trading Rules | |||||||||||||||||||||||||||||||||||||||
| News Trading | Allowed | Allowed | Allowed | Allowed | Allowed | Allowed | Allowed | Allowed | Allowed | Allowed | Allowed | Allowed | Allowed | Allowed | Allowed | Allowed | Allowed | Allowed | Allowed | Allowed | Allowed | Allowed | Allowed | Allowed | No | No | No | No | No | No | No | Allowed | Allowed | Allowed | Allowed | Allowed | Allowed | Allowed | Allowed |
| Copy Trading | Allowed | Allowed | Allowed | Allowed | Allowed | Allowed | Allowed | Allowed | Allowed | Allowed | Allowed | Allowed | Allowed | Allowed | Allowed | Allowed | Allowed | Allowed | Allowed | Allowed | Allowed | Allowed | Allowed | Allowed | No | No | No | No | No | No | No | Allowed | Allowed | Allowed | Allowed | Allowed | Allowed | Allowed | Allowed |
| EAs Allowed | Allowed | Allowed | Allowed | Allowed | Allowed | Allowed | No | No | No | No | No | No | Allowed | Allowed | Allowed | Allowed | Allowed | Allowed | No | No | No | No | No | No | No | No | No | No | No | No | No | Allowed | Allowed | Allowed | Allowed | No | No | No | No |
| Weekend Holding | No | No | No | No | No | No | No | No | No | No | No | No | No | No | No | No | No | No | No | No | No | No | No | No | No | No | No | No | No | No | No | Allowed | Allowed | Allowed | Allowed | Allowed | Allowed | Allowed | Allowed |
| Overnight Holding | Allowed | Allowed | Allowed | Allowed | Allowed | Allowed | Allowed | Allowed | Allowed | Allowed | Allowed | Allowed | Allowed | Allowed | Allowed | Allowed | Allowed | Allowed | Allowed | Allowed | Allowed | Allowed | Allowed | Allowed | Allowed | Allowed | Allowed | Allowed | Allowed | Allowed | Allowed | Allowed | Allowed | Allowed | Allowed | Allowed | Allowed | Allowed | Allowed |
| Stop Loss Required | No | No | No | No | No | No | No | No | No | No | No | No | No | No | No | No | No | No | No | No | No | No | No | No | Allowed | Allowed | Allowed | Allowed | Allowed | Allowed | Allowed | No | No | No | No | No | No | No | No |
| Refundable Fee | No | No | No | No | No | No | No | No | No | No | No | No | No | No | No | No | No | No | No | No | No | No | No | No | No | No | No | No | No | No | No | No | No | No | No | No | No | No | No |
Leverage Ratios
Maximum leverage by asset class and challenge type
| Asset Class | InstantNo evaluation | 1-StepSingle phase | 2-StepsTwo phases | 3-StepsThree phases |
|---|---|---|---|---|
| FX | 1:100 | 1:100 | 1:100 | — |
| Crypto | 1:100 | 1:100 | 1:100 | — |
| Indices | 1:100 | 1:100 | 1:100 | — |
| Metals | 1:100 | 1:100 | 1:100 | — |
| Energy | 1:100 | 1:100 | 1:100 | — |
Higher leverage increases both potential profits and risks. The 2-Step challenge offers the highest leverage ratios.
Payout Policy
Profit withdrawal rules and schedules
Becoming eligible. A funded account qualifies for a payout once it has reached at least 1 percent profit on the initial account size, completed a minimum of 5 trading days and a minimum of 14 active days, and satisfied the consistency rule that applies to its program.
Requesting. Requests are submitted from the Traders Area of the XFunded dashboard. Every trade must be closed first, including pending orders, and at least 15 minutes must pass after the last trade is closed. Trading is disabled while the request is being processed and resumes once it is approved.
Methods. Payouts are made either as a USDT wallet transfer, on ERC20 or TRC20, or by bank transfer against an account holder name and IBAN or account number with SWIFT or BIC.
Timing. Payouts run on a bi-weekly cycle. Each request is reviewed by the risk management team, and approved requests are typically processed within 3 to 5 working days, with a further 1 to 2 working days for funds to arrive. Requests are not processed at weekends.
The split. The trader's share starts at 80 percent and may rise to 90 percent from the second payout onwards. A 100 percent profit split add-on is sold at checkout. Accounts opened through an affiliate or referral partner are treated differently: the first approved payout is paid at the agreed split, and every payout after it is capped at 50 percent, across all accounts held under that registration and surviving resets, upgrades and breaches.
Limits. There is no maximum withdrawal for standard accounts. Where total allocation across accounts reaches 1,000,000 USD, each request is capped at 2 percent of that total, and any amount requested above the cap is not processed and cannot be recovered.
What voids a payout. A request rejected at review leaves the account either breached or reset, depending on the violation found. Breaching the consistency rule, or holding a trade without a stop loss for less than the permitted window, are soft violations: the payout is rejected and the account is reset rather than closed. After a payout is processed the balance returns to the initial account size and a new account is issued, and any profit left out of the request is not recoverable.
Instruments & Assets
Available trading instruments and asset classes
Instrument Type
Contract for Difference
Trade price movements without owning the underlying asset
FX
Available
Crypto
Available
Indices
Available
Metals
Available
Energy
Available
Commission Structure
Trading fees by asset class
XFunded advertises commission-free trading across its CFD programs, so there is no separate per-lot charge added to a round turn on forex, metals, indices, energy or crypto CFDs.
Swap and overnight financing still apply to positions carried overnight. Swap rates are not published as a table on the website; they are read per instrument inside the platform, by selecting the instrument and opening Info or Specification and then Details, which also shows the contract size for that symbol.
Contract and lot sizes vary by instrument and by the platform the account was opened on, so the same nominal position can differ between the MetaTrader 5 and cTrader versions of an account.
FX
Commission-free
Crypto
Commission-free
Indices
Commission-free
Metals
Commission-free
Energy
Commission-free
Consistency Rules
Performance requirements to maintain your account
XFunded applies a consistency rule to funded accounts only. No consistency rule applies during any challenge phase.
The threshold depends on the program:
- Standard 1 Phase and 2 Phase funded accounts: 45 percent
- Bybit 1 Phase and 2 Phase funded accounts: 45 percent
- Instant Funded accounts: 20 percent
- X-Funded Zero 1 Phase and 2 Phase accounts: no consistency rule at any stage, which is the purpose of the Zero programs
How it is calculated. Consistency is the highest daily profit divided by total profit, expressed as a percentage: (Highest Daily Profit / Total Profit) x 100. On a 100,000 USD account with 5,000 USD of total profit where the best day contributed 2,500 USD, consistency is 50 percent, which exceeds the 45 percent threshold.
Multiple positions opened at approximately the same time, in the same direction or on the same instrument, are treated as a single trade for this calculation.
Exceeding the threshold does not close the account. It blocks the withdrawal until consistency falls back below the limit for that account type, and a request submitted over the threshold is rejected and the account reset.
Instant Funding carries an additional distribution requirement: profits must be spread across at least 10 trades each month. There is no lot consistency requirement on Instant Funding accounts.
Prop Trading Rules
Trading conditions and rules for prop accounts
XFunded applies one set of trading rules during the evaluation and a stricter set once an account is funded. The difference between the two is where most traders are caught, so it is worth reading both columns.
News trading. Trading through high-impact news is permitted during the challenge phases. On funded accounts no position on an affected instrument may be opened or closed in the window from 10 minutes before to 10 minutes after a high-impact release. XFunded uses the Forex Factory economic calendar as its reference. The restriction is instrument-specific: during a high-impact USD event it applies to USD-denominated instruments, and a trade on an unrelated pair in the same window is not a violation. Accounts on the Bybit crypto program are not subject to the news window.
Weekend holding. Positions must not be opened or held across the weekend. All trades must be closed before Friday 22:00 UTC, and the restricted period runs from Friday 22:00 UTC to Sunday 22:00 UTC. A position left open through that window is a hard violation and closes the account. Accounts on the Bybit crypto program may hold through the weekend, since those markets trade continuously.
Expert Advisors. EAs and trade copiers are permitted on challenge accounts only and are prohibited on funded accounts. EAs are not permitted at all on the 2 Phase Challenge, and an account passed with one is suspended. Where a 1 Phase account is passed by an EA or a third party rather than the trader, the profit split is reduced to 50 percent unless the 100 percent split add-on was purchased.
Copy trading. Copying between XFunded challenge or funded accounts is not allowed. Coordinated trading between multiple people, and opening the same instrument in the same direction at the same time across accounts controlled by one person, are both treated as violations.
Stop losses and risk. A stop loss is optional during the evaluation. On a funded account it is mandatory and must be placed within 5 minutes of opening a trade, reduced to 2 minutes on Instant Funding accounts; it may be modified freely afterwards. There is no cap on risk per trade during the evaluation, while funded accounts are limited to 1 percent of the initial balance per trade, with positions opened at about the same time in the same direction on the same instrument counted as a single trade.
Firm Rules
Guidelines and restrictions for funded accounts
Beyond the drawdown limits, a handful of account rules decide whether an XFunded account survives.
Hard and soft violations. Breaching the maximum loss limit, the daily loss limit or the weekend holding restriction is a hard violation and closes the account immediately. Breaching the consistency rule, or leaving a funded trade without a stop loss for less than the permitted window, is a soft violation: the payout is rejected and the account is reset rather than closed.
Inactivity. An account is breached if it goes 30 consecutive days without activity. At least one trade must be opened and closed within any 30 day period to keep the account active.
Allocation ceiling. A trader may hold up to 1,000,000 USD in total allocation across multiple accounts, for example three 300,000 USD accounts plus one 100,000 USD account. The X-Funded Zero programs cap total allocation at 400,000 USD.
Prohibited practices. Gambling behaviour is prohibited, defined as high risk trades placed without analysis and specifically as risking all or nearly all of the daily loss limit on one trade or on several simultaneous trades. Group trading, meaning coordinated activity between multiple individuals, is prohibited, as is opening the same instrument in the same direction at the same time across accounts controlled by one person. Sanctions range from suspension to termination and refusal of payouts.
Eligibility. Traders must be at least 18. No qualifications are required. XFunded does not serve people on international sanctions or watchlists, people with financial crime or terrorism convictions, anyone previously banned for contractual violations, or corporate clients trading under company trust structures.
Purchases and refunds. The payment card used must be registered in the buyer's own name. Program fees are service fees and do not represent a deposit or an investment. A full refund is available where trading credentials are not delivered within 24 hours of registration or where the service has not commenced; once the service has commenced the fee is not refundable, and the standard refund route does not apply to purchases made by bank transfer or cryptocurrency.
Account environment. All XFunded accounts operate in a simulated environment using virtual funds.
Restricted Countries
Geographic limitations for account registration
Service Unavailable
Trading services are not available for residents of the following countries due to regulatory restrictions:
If your country is listed above, you will not be able to create an account or access trading services with this firm.
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