FundYourFX

FundYourFX is a forex and CFD prop firm registered as FYFX Capital Limited in Hong Kong, company number 75280952-000, trading since 2021. FundYourFX sells simulated funded accounts across instant funding, 1-step evaluation and 2-step evaluation. FundYourFX runs on MatchTrader and pays rewards weekly or bi-weekly by bank transfer and crypto.

Drawdown is the first thing to check at FundYourFX because the model changes by program. Instant Funding Classic, Instant Funding Pro and 2-Step Classic use a static floor. 1-Step Classic and Pay After You Pass use a 6% trailing floor that follows your equity up until it locks at the starting balance. Buying the wrong plan on the assumption that FundYourFX is static throughout is the most expensive mistake available here.

Every FundYourFX account is a demo environment fed with live market prices. FundYourFX is not a broker and does not buy or sell real instruments. Rewards are paid in real money from simulated profits. FundYourFX reports $40.1 million paid to 220,532 traders as of September 2026 and publishes a per-payout certificate for each withdrawal on its homepage feed.

Instant funding is what FundYourFX is known for. That path skips evaluation entirely: you pay, receive credentials, and trade a funded account the same day. For how FundYourFX compares against other no-evaluation options, see our ranked guide to the best instant funding prop firms.

FundYourFX sells four program types as of September 2026: Instant Funding, 1-Step Evaluation, Pay After Pass, and 2-Step Evaluation. Instant Funding and 2-Step each split into a Classic and a Pro variant. Account sizes run from $5,000 to $200,000, and the growth plan scales a funded account to $6,000,000 over successive payouts.

Every FundYourFX program shares these rules: no time limit, no maximum trading days, no lot-size rule, 1:100 leverage, EAs permitted, news trading permitted outside a five-minute window around high-impact releases, and weekend holding permitted. Drawdown model, profit target, minimum trading days and split all vary by program, so read the helpdesk page for the exact plan you intend to buy.

2-Step Pro is the only FundYourFX program reaching a 100% split. It starts at 85% and requires a minimum of three trading days per step. 2-Step Classic starts at 80%, requires five trading days per step, and runs an 8% static floor across both evaluation phases and the funded account. The 2-Step Classic funded account carries no profit target at all, which makes it the least restrictive route to a first withdrawal at FundYourFX.

FundYourFX uses two drawdown models and which one applies depends on the program you buy. Instant Funding Classic sits at 6% static, Instant Funding Pro at 8% static, and 2-Step Classic at 8% static across both evaluation phases and the funded account. On those plans the floor is set from your starting balance on day one and never moves upward.

1-Step Classic and Pay After You Pass work differently. Both use a 6% trailing floor that follows your account equity upward until it reaches the initial balance, at which point it locks and stops trailing. That is more forgiving than a permanently trailing floor, because the tightening ends once you are break-even, but it is not static and it does tighten while you are in profit during the evaluation. Breaching the maximum on any FundYourFX program deactivates the account and revokes profit-sharing eligibility.

Instant Funding Classic vs Pro

Why the static plans matter

Static drawdown on the Instant plans is the strongest argument for FundYourFX. A $10,000 Instant Classic account has a permanent floor at $9,400. Run that account to $13,000 and the floor stays at $9,400, so profit buys operating room rather than tightening it. Most instant funding competitors trail the floor upward, which punishes a trader for a good week. For how the models differ, see our guide to max trailing drawdown in prop firms.

The 22:00 UTC reset

The FundYourFX trading day resets at 22:00 UTC, and daily drawdown is measured against your end-of-day balance at that clock. A position held through the reset has its result counted in the next trading day. A trader who holds through the New York close and reads the reset wrong can take a loss they believe falls in a fresh day and find it applied to the day just closing, which is a soft breach against an allowance already spent.

Daily loss consequences differ by program

Exceeding the daily loss limit on Instant Funding Classic or Pro is a soft breach, and FundYourFX permits two before closing the account. On 1-Step Classic and Pay After You Pass, exceeding the 4% end-of-day limit is an instant breach with no allowance. A trader moving from an Instant account to an evaluation account at FundYourFX loses that safety margin without any change in the headline percentage.

Prohibited strategies

FundYourFX bans HFT, latency arbitrage, reverse arbitrage, gap trading, tick scalping, martingale, and grid beyond two trades per instrument per direction. Copying other traders or external signal services is a hard breach that closes the account. Copying between accounts you own yourself is permitted provided the risk rules hold, which is narrower than the blanket copy-trading ban most reviews report.

FundYourFX runs on MatchTrader only as of September 2026. MatchTrader is available on Windows, macOS, iOS, Android and browser, with TradingView charting built in. FundYourFX bundles TraderWaves journalling and analytics free with every account. FundYourFX lists MetaTrader 5 as coming soon with no published release date.

The platform constraint is the clearest reason to walk away from FundYourFX. A strategy built on MT4-specific indicators cannot run here, and the MT5 announcement carries no date, so a trader who needs MetaTrader today should treat FundYourFX as unavailable rather than imminent. Full rules for each program are published on the FundYourFX Instant Funding Classic helpdesk page.

FundYourFX processes approved payouts within 24 hours. Instant Classic pays bi-weekly and Instant Pro pays weekly. The minimum payout is $150 once the payout target is met. FundYourFX applies no profit cap at any stage. FundYourFX also states that verification or compliance review can add up to five business days before a payout is approved.

Split ceilings by program

The FundYourFX split rises 10 points after every three consecutive payouts. On Instant Funding it stops at 95%. Classic runs 50, 60, 70, 80, 90, 95. Pro runs 60, 70, 80, 90, 95, reaching the ceiling three payouts sooner. 2-Step Pro is the only FundYourFX program that reaches 100%, starting at 85%.

The 25% day condition

No single trading day may account for more than 25% of the payout you request. FundYourFX documents this as a payout eligibility condition rather than an account-closing rule, so a trader whose best day exceeds the share keeps trading until the ratio falls. The consequence is a delayed payout rather than a voided account.

Read the "no consistency rule" claim against this condition before buying. A conventional consistency rule caps how much of your profit one day may represent, and the 25% condition caps how much of your payout one day may represent. The mechanics differ and the 25% version does not close accounts, but a trader who makes most of their money in one or two sessions per month will feel the two rules similarly at withdrawal time. Some FundYourFX reviewers describe the condition as a consistency rule under another name, and on the practical effect for a concentrated strategy that is a fair reading.

Fee refund and its real cost

FundYourFX refunds the fee on the second successful payout on both Instant plans, and after three successful payouts on the evaluation plans. Reaching two payouts on Instant Classic means clearing a 10% profit target, six trading days, and two full bi-weekly cycles. A trader who breaches before that point loses the fee, so treat the fee as the cost of a failed account rather than a deposit you get back by default.

FundYourFX is a legitimate prop firm registered as FYFX Capital Limited in Hong Kong, company number 75280952-000, operating since 2021. FundYourFX reports $40.1 million paid to 220,532 traders across more than 160 countries and publishes a certificate for each individual payout. No systemic payout failure or shutdown is documented against FundYourFX.

The third-party record is more mixed than the single 4.7 figure FundYourFX advertises, and a trader should see both halves.

Why the Trustpilot number is hard to pin down

FundYourFX has two Trustpilot profiles, one for each domain it has traded under. The older fundyourfx.com profile holds a 4-star score across 958 reviews. The fundyourfx.io profile is newer and much smaller. FundYourFX displays 4.3 from 196 reviews in the widget on its own site and cites 4.7 from thousands of reviews on a separate FundYourFX FAQ page. Those are three different figures and two of them come from FundYourFX. Check the profile matching the domain you are buying from rather than the number on the marketing page.

Trustpilot has also published a notice on the FundYourFX profile stating that the company displays Trustpilot content in a misleading way. FundYourFX responds to this directly on its helpdesk, arguing the notice is an automatic category-level flag applied across monitored industries including prop trading rather than a finding of wrongdoing against FundYourFX specifically. Trustpilot does apply category flags, and FundYourFX also publishes three different Trustpilot figures across its own properties. Both facts belong in the same paragraph, and a trader can weigh them.

Three instant funding options worth comparing against FundYourFX, depending on which constraint bothers you most.

Instant Funding is the better pick if the 50% starting split on FundYourFX Classic is the sticking point, though its drawdown tightens permanently once you reach 5% profit, which is the trade-off FundYourFX avoids. Moneta Funded gives you MT5 today rather than an undated announcement. To filter on rules yourself, use the FundedTrading comparison tool.

FundYourFX scores 8.5 out of 10 on our scale. Static drawdown on the Instant plans is the standout rule and it is rare among instant funding firms. Add no profit cap, no time limit, no lot-size rule, a fee refunded on the second Instant payout, and five years of operating history with published payout certificates, and the FundYourFX Instant rulebook is one of the cleaner ones available in 2026.

Four constraints decide whether FundYourFX suits you. MatchTrader is the only live platform and the MT5 announcement carries no date. The first payout requires a profit target and realistically takes about a week rather than 24 hours once compliance review is counted. The Instant Classic split starts at 50% and the 95% ceiling is 15 consecutive payouts away. And the 25% payout condition will delay withdrawals for anyone whose profit lands in one or two sessions a month, whatever the marketing says about consistency rules.

The drawdown model is the detail most likely to catch a buyer out. FundYourFX is described as a static-drawdown firm across the industry, including in its own marketing, but only the Instant plans and 2-Step Classic actually are. 1-Step Classic and Pay After You Pass trail to break-even. Two official FundYourFX pages also disagree on the Step 2 figure for 2-Step accounts. Read the helpdesk page for your exact plan and get any ambiguity confirmed in writing before your first trade.

FundYourFX suits a swing or position trader who values a fixed loss floor, runs their own EA on MatchTrader, spreads profit across many sessions, and intends to hold one account long enough for the split and the growth plan to compound. FundYourFX does not suit a scalper, an MT4 trader, a trader with concentrated winning days, or anyone who needs money out inside a week. Prop trading carries a high failure rate at every firm and a funded account is not a likely source of income.