FXIFY Review 2025

Expert Verdict on Fxify

⭐ Reputation: To me, FXIFY feels like a solid and trustworthy prop firm. It’s backed by a 4.3-star Trustpilot rating and a verified payout record through Payout Junction.

💸 Payouts: FXIFY offers 80–100% profit splits. The One, Two (Standard), and Three Phase accounts pay monthly, with optional bi-weekly or on-demand add-ons. The Two (Classic) and Instant accounts pay bi-weekly, while the Lightning account pays after seven days, then every two weeks.

📊 Trading Conditions: I found the trading experience smooth and competitive. FXIFY provides leverage up to 1:50, tight spreads, and access to MT4, MT5, DXTrade, and TradingView, covering about 100 trading instruments.

💰 Pricing: To me, the pricing feels fair. FXIFY’s One Phase, Three Phase, and Lightning accounts are fairly priced compared to the industry average, while the Two Phase (Standard and Classic) and Instant accounts are priced below it. Fees range from $39 to $4,249 depending on the account.

🔑 Standout Features: What really stands out is the scaling plan; traders can double their account each time they hit 10%, up to $4 million. Add to that 100% profit splits and on-demand payouts, and it’s easy to see why FXIFY appeals to active traders.

✅ Verdict: Overall, I found FXIFY to be a reputable and well-balanced firm with reasonable costs, flexible payouts, and strong platform support. The only downside is its lower leverage, which might not suit traders chasing big exposure.

Pros & Cons

What Trading Styles Does Fxify Support?

Trust

Company Stability

FXIFY is a proprietary trading firm established in 2023, led by CEO Peter Brown and David Bhidey. The firm’s trading operations are managed by FXIFY Markets Ltd, a licensed money broker regulated in Labuan, Malaysia (License No. MB/22/0097). FXIFY Solutions Limited, a UK-registered payment agent, handles all payment processing. With a team of over 100 professionals, FXIFY demonstrates strong operational capacity and organizational strength.

Trustpilot Rating

FXIFY maintains an average Trustpilot rating of 4.3 based on more than 4K reviews, with approximately 77% of them being five-star.(Check date: 18 Oct 2025).

Transparency

Trading Rules Transparency

FXIFY upholds clear and transparent trading rules, defining specific profit targets, drawdown limits, and detailed guidelines for news trading, copy trading, and the use of Expert Advisors (EAs). However, traders are advised to review the strategy-related restrictions carefully before joining.

• Restricted Strategies: FXIFY strictly prohibits trading strategies that take advantage of unrealistic pricing or unfair market opportunities. Restricted practices include High-Frequency Trading (HFT), reverse and group hedging, account management, latency arbitrage, order book spamming, herd trading and collusion, exploiting system bugs or glitches, high-leverage news trading, and statistical arbitrage.
• Consistency Rule: FXIFY enforces a consistency rule only in the Two Phase Classic account (25% in funded stage) and the Lightning account 30% (evaluation and funded stages).
• Minimum Trading Days: The One Phase, Two Phase (Standard), and Three Phase accounts each require a minimum of 5 trading days. The Two Phase (Classic) account requires four trading days, the Lightning account requires 3, and the Instant account has no minimum trading day requirement.
• Maximum Trading Days: Maximum trading days are unlimited for all FXIFY accounts except the Lightning account, which requires the profit target to be reached within seven trading days from the first trade.

Payout Transparency

According to Payout Junction, FXIFY has distributed over $30 million through more than 11K verified payouts, including one exceeding $119K. This demonstrates the firm’s transparency, reliability, and strong commitment to maintaining fair and trader-focused payout practices.

General Transparency

• Website: The FXIFY website features a clean, professional, and user-friendly design with clearly structured sections for challenges, rules, and FAQs. Terms and client agreements are easily accessible, reflecting a strong commitment to transparency. With an integrated AI chatbot and responsive support, the platform provides an efficient and seamless trading experience.
• Social Media: FXIFY maintains a strong and active online presence across multiple social media platforms. The firm has over 82.1K followers and more than 800 posts on Instagram, around 31K followers and over 2K posts on X (formerly Twitter), and approximately 1.9K followers on Facebook. FXIFY also hosts an active community on Discord. Additionally, the firm has accounts on Telegram and TikTok; however, the links to these platforms are currently not functioning properly.

Risk Management: Similar to many proprietary trading firms, FXIFY operates without formal regulatory supervision. Nevertheless, it maintains a comprehensive evaluation framework and enforces strict risk management policies to promote a fair and secure trading environment. While the absence of regulation may be a concern for some traders, FXIFY’s proven payout record and active community engagement help reinforce confidence in its credibility and trustworthiness.

Can I Trust FXIFY Group?

In my view, FXIFY has built a reasonable reputation for transparency and reliability, with over $30M distributed through more than 11K verified payouts, as confirmed by Payout Junction. The firm holds a 4.3 Trustpilot rating, with 77% of reviews being five-star. With clearly defined trading rules, access to multiple professional platforms, and an active trading community, FXIFY presents itself as a credible option for traders seeking prop funding opportunities.

Challenges

FXIFY Challenges Comparison

• Profit-to-drawdown ratios: The profit-to-drawdown ratios at FXIFY are well-aligned with industry standards. In the 1-Phase Program, the profit target is 10% with an overall drawdown of 6%, resulting in a ratio of 1:0.6, while the Lightning challenge offers a ratio of 1:0.8. The 2-Phase Classic Program features a 5% profit target and 10% drawdown in Phase 1 ( 0.5:1) and a 10% profit target with 10% drawdown in Phase 2 (1:1). Similarly, the 2-Phase Standard Program has a 10% profit target and 10% drawdown in Phase 1 (1:1), followed by a 5% profit target and 10% drawdown in Phase 2 (ratio 0.5:1). Lastly, the 3-Phase Program maintains a 5% profit target and 5% drawdown across all phases, giving a consistent ratio of 1:1.
• Flexibility: FXIFY supports all trading strategies, offering traders strong flexibility through features such as overnight and weekend holding, use of EAs and copy trading, multiple asset classes including stocks, and access to over 100 trading instruments. However, certain rules such as low leverage, minimum trading days (3–5), and consistency requirements in the 2-Phase Classic and Lightning programs may feel restrictive to some traders.
• Scaling: FXIFY ’s scaling plan allows traders to increase their account size based on consistent performance. To qualify for the first scale-up, a trader must achieve a 10% profit within the first three months, with at least two of those months being profitable. Each subsequent scale-up occurs every three months, with the account balance doubling at each stage, up to a maximum of $4 million. The scaling plan is not available for the Instant Funding and Lightning accounts.

FXIFY Challenges Overview

1-Phase:

💵 Accounts: $5K ($59) → $400K ($2,950), Scalable up to $4 million

🎯 Target: 10%

📉 Drawdown: 3% Daily (Static) | 6% Overall (Trailing)

💰 Profit Split: Default 80% (Monthly)

⚡ Trading: ✅ News | ✅ EAs | ✅ Copy trading | ✅ Weekend Holding

📅 Funded Stage: Minimum Trading Days: 5 | 100% fee refund

⚙️ Challenge Parameters: 🟢Consistency Rule: None | 🔴Minimum Trading Days: 5

🧩 Add-ons: 90% Profit Split | Biweekly Payout | Leverage up to 1:50 | Performance Protection

Lightning (1 Step):

💵 Accounts: $10K ($59) → $100K ($399), Scaling unavailable

🎯 Target: 5%

📉 Drawdown: 3% Daily (Static) | 4% Overall (Trailing)

💰 Profit Split: Default 80% (Bi Weekly)

⚡ Trading: ❌ News | ❌ EAs | ❌ Copy trading | ✅ Weekend Holding

📅 Funded Stage: Minimum Trading Days: 3 | 100% fee refund | Consistency Rule: 30%

⚙️ Challenge Parameters: 🔴Consistency Rule: 30% | 🔴Minimum Trading Days: 3 | 🔴Maximum Trading Days: 7 | 🔴Mandatory Stop Loss

🧩 Add-ons: 90% Profit Split | No Stop Loss

2 Phase (Classic):

💵 Accounts: $5K ($59) → $100K ($549), Scalable up to $4 million

🎯 Target: 1 Step = 5% | 2 Step = 10%

📉 Drawdown: 4% Daily (Static) | 10% Overall (Static)

💰 Profit Split: Default 80%(Bi-Weekly) | 100% (Monthly)

⚡ Trading: ✅ News | ✅ EAs | ✅ Copy trading | ✅ Weekend Holding

📅 Funded Stage: Minimum Trading Days: 4 | Non-refundable fee | Consistency Rule: 25%

⚙️ Challenge Parameters: 🟢Consistency Rule: None | 🔴Minimum Trading Days: 4

🧩 Add-ons: None

2 Phase (Standard):

💵 Accounts: $5K ($59) → $400K ($2,950), Scalable up to $4 million

🎯 Target: 1 Step = 10% | 2 Step = 5%

📉 Drawdown: 4% Daily (Static) | 10% Overall (Trailing)

💰 Profit Split: Default 80% (Monthly) | Add On 90%

⚡ Trading: ✅ News | ✅ EAs | ✅ Copy trading | ✅ Weekend Holding

📅 Funded Stage: Minimum Trading Days: 5 | 100% fee refund

⚙️ Challenge Parameters: 🟢Consistency Rule: None | 🔴Minimum Trading Days: 5

🧩 Add-ons: 90% Profit Split | Biweekly Payout | Leverage up to 1:50 | Performance Protection

3 Phase:

💵 Accounts: $5K ($39) → $400K ($1,599), Scalable up to $4 million

🎯 Target: 1 Step = 5% | 2 Step = 5% | 3 Step = 5%

📉 Drawdown: 5% Daily (Static) | 5% Overall (Static)

💰 Profit Split: Default 80% | Add On 90%

⚡ Trading: ✅ News | ✅ EAs | ✅ Copy trading | ✅ Weekend Holding

📅 Funded Stage: Minimum Trading Days: 5 | 100% fee refund

⚙️ Challenge Parameters: 🟢Consistency Rule: None | 🔴Minimum Trading Days: 5

🧩 Add-ons: 90% Profit Split | Biweekly Payout | Leverage up to 1:50 | Performance Protection

Instant Funding:

💵 Accounts: $1K ($69) → $100K ($4,249), Scaling unavailable

🎯 Target: None

📉 Drawdown: 8% Daily (Static) | 8% Overall (Trailing)

💰 Profit Split: Default 80% (Bi-Weekly)

⚡ Trading: ❌ News | ❌ EAs | ❌ Copy trading | ❌ Weekend Holding

📅 Funded Stage: Minimum Trading Days: None | Non-refundable fee

🧩 Add-ons: 90% Profit Split

FXIFY Challenges: My Key Takeaways

What I find most appealing about FXIFY is its remarkable flexibility and strong potential for growth up to $4 million along with fair trading conditions. However, the consistency rule, minimum trading days, and leverage capped at 1:50 may feel restrictive to some traders.

FXIFY ’s challenge options (1, 2, 3 Phase, and Instant) range from $1K to $400K, supporting EAs, copy trading, weekend holds, and profit splits of up to 100%. Overall, it provides ample adaptability and variety to suit diverse trading styles.

Price

FXIFY Account Prices and Cost Efficiency

How Do We Assess The Competitiveness of the Firm’s Costs?

To determine whether a prop firm’s challenge is affordable or expensive, we calculate the Average Funding Per Dollar across one-step, two-step, and three-step challenges.

The formula is:

Average Funding Per Dollar = Total Funded Account Balance / Total Program Prices

This metric indicates the amount of trading capital a trader receives for each dollar of the entry fee, enabling a more objective comparison between firms. It helps traders evaluate the value of their investment by highlighting the relationship between the challenge cost and the capital offered.

A higher ratio indicates that more capital is provided per dollar spent, making the challenge more cost-effective.

This calculation helps compare different prop firms’ value-for-money offerings by showing how much capital a trader can access relative to their initial investment.

FXIFY Cost Efficiency Compared to Industry Benchmark

Are FXIFY’s Costs Competitive?

FXIFY demonstrates decent overall cost efficiency. The Lightning account (235.36) is above average, while the One Phase (149.26) and Three Phase (238.73) are at par with the industry average. The Two Phase Classic (147.05), Standard (149.26), and Instant Funding (26.16) accounts are below average.

Refund Policies

FXIFY offers a challenge fee refund for the One Phase, Lightning (1 Step), Two Phase (Standard), and Three Phase accounts, along with the Add On’s purchased, while no refund is provided for the Two Phase (Classic) and Instant accounts. If no trades are placed on the account after purchase, the purchase amount may be refunded upon request, provided a valid and justified reason is submitted.

Trading Conditions

FXIFY Accounts

FXIFY offers two account types: All in Account and Raw assessment, both with favorable trading conditions:

• All in Account: Commission-free account, as it is incorporated within the spreads.
• Raw Assessment: Charges commission per lot for forex, metals, indices, crypto, commodities, and stocks, providing ultra-tight spreads. Ideal for day traders and scalpers seeking raw pricing.

Leverage

FXIFY provides different leverage levels across its funding programs, with a maximum of 1:50, aligning with industry standards. The table below presents a detailed overview of the leverage available for each asset class.

Trading Fees

Trading fees at FXIFY include spreads, commissions, and swap charges, all structured transparently to maintain a balance with prevailing industry standards.

Spreads

The spread represents the difference between the bid and ask prices of a trading instrument. The table below highlights the spreads for major instruments and compares them with industry averages. Overall, the spreads of FXIFY are consistent with industry standards.

Commissions

FXIFY offers two account types: All-In and Raw. The All-In Account features zero commissions, while the Raw Account charges a $6 per-lot commission. Available instruments include forex, metals, crypto, indices, and stocks, with stocks carrying a 0.35% round-trip commission.

Swap Fees

FXIFY does not offer swap-free (Islamic) accounts and applies overnight swap fees, the amount of which varies depending on the specific trading instrument.

Overall Trading Fees

Trading Fees: My Key Takeaways

I found FXIFY’s trading fees to be generally well-balanced compared to industry standards. In the All-In Account, forex and commodities have slightly higher trading fees than the industry average, while cryptocurrencies and indices offer more favorable fees. The fees for metals are largely in line with industry standards. In the Raw Account, trading fees for forex, commodities, metals, and indices are slightly higher than average, whereas cryptocurrency fees remain more favorable compared to the broader market.

Consistency Rule

FXIFY does not apply a consistency rule to most of its challenges, with the exception of the Phase 2 (Classic) and Lightning accounts. In the Phase 2 (Classic) account, the consistency rule applies only in the funded stage, where profits from any single trading day cannot equal or exceed 25% of the total profits. There is no consistency rule during the evaluation stage. In the Lightning account, the consistency rule applies to both the evaluation and funded stages, requiring that profits from any single trading day do not exceed 30% of the total profits generated.

Prohibited Trading Styles

Tradable Instruments

FXIFY offers multi-asset trading with 100 instruments across forex, cryptocurrencies, metals, commodities, indices, and stocks. While the overall range is moderate compared to the broader industry, it still provides sufficient diversity for most trading strategies. The following is a detailed breakdown of the available trading instruments.

Trading Platforms and Tools

FXIFY provides access to the MT4, MT5, DXTrade, and TradingView platforms, each offering fast execution, advanced charting tools, and a professional yet user-friendly interface. All platforms support both manual and automated trading, making them suitable for traders at every experience level.

Funded Account

After successfully completing the challenge, traders are granted a funded account that includes the following features, which may vary based on the selected account type.

Scaling Plan

FXIFY’s scaling plan allows traders to increase their account size based on consistent performance. To qualify for the first scale-up, a trader must achieve a 10% profit within the first three months, with at least two of those months being profitable. Each subsequent scale-up occurs every three months, with the account balance doubling at each stage, up to a maximum of $4 million. The scaling plan is not available for the Instant Funding and Lightning accounts.

Islamic (Swap-free) Account

FXIFY does not offer swap-free (Islamic) accounts.

Demo Account

No, FXIFY does not offer a demo account for practice purposes. However, it provides a spread-checking account that enables traders to review market conditions and assess pricing before engaging in live trading.

Inactivity

Yes. If a trader does not place at least one trade within a 60-day period, the account will be considered inactive, resulting in a breach of account rules.

Payouts

Profit Split

The payout split for the 1 Phase, 2 Phase (Standard), and 3 Phase accounts is set at 80% by default and can increase up to 90% with the add-on option. These accounts offer on-demand payouts, as well as bi-weekly and monthly payout options. The 2 Phase (Classic) account provides an 80% payout for the bi-weekly option and 100% for the monthly option. The Lightning account offers an 80% default payout, which can be increased to 90% with the add-on option. Similarly, the Instant account provides an 80% default payout, with the potential to reach 90% through the add-on option.

Payout Rules

Bonuses and Promotions

FXIFY does not regularly offer bonuses or promotions; however, the firm occasionally provides special offers and incentives during specific events or occasions to encourage trader engagement and loyalty.

Support

Customer Support Channels

Customer Support Test

The FXIFY AI chatbot offers assistance across most support features, while the live chat team provides fast and responsive service. The support team operates 24/5 and, in my experience, delivers reliable, efficient, and knowledgeable customer assistance.

Education

FXIFY provides educational resources through its YouTube channel, offering trading tips and platform insights. Its blog features tutorials, market analysis, and industry updates, while the newsletter keeps traders informed with the latest news and expert insights. It also has a free trading course where they have different modules from which traders can learn the basics of trading.

The Bottom Line

In my view, within just two years, FXIFY has established itself as a reputable proprietary trading firm offering flexible challenge programs and clear trading rules. It provides good trading conditions with over 100 tradable instruments, and supports diverse trading styles, including day trading, scalping, algorithmic strategies, and copy trading. Profit splits range from 80% to 100%, and traders can access MT4, MT5, DXTrade, and TradingView, all offering advanced execution and analytical tools.

FXIFY also features a structured scaling plan that can expand trading capital to 4 million dollars, making it attractive for skilled and ambitious traders. The firm supports trading across forex, indices, commodities, metals, cryptocurrencies, and stocks. While certain rules, such as minimum trading days, consistency requirements, and limited news trading in some accounts, may impose restrictions, FXIFY remains an excellent choice for those seeking flexibility, scalability, and fast on-demand payouts. Overall, it stands out for its professional environment, strong incentives, and commitment to trader success.

FAQ