AIFO

AIFO is a prop trading firm that provides structured trading education, practical evaluations, real-time performance tracking and funded trading opportunities. Traders buy a simulated account on MetaTrader 5, trade it against a set of loss limits, and are paid a share of the profit once the account qualifies. AIFO publishes on social media as AIFO Funding, and the firm is often searched as AIFO Funded.

Four account types are on sale: a 1-Step Challenge, a 2-Step Challenge, an Instant account with no evaluation, and Sprint, a 24-hour account with a single payout. Account sizes run from $5,000 to $200,000, and total allocation across a trader's accounts can scale to $2,000,000.

Alongside the accounts, AIFO runs an academy, live trading sessions and an AI coaching tool at aicoach.aifo.com. Trading runs on AIFO's own MT5 server, AIFO Global-Live. AIFO is listed in our prop firm reviews directory.

Each AIFO account type has its own target, loss limits and payout path. The table sets them side by side as published on 15 October 2026.

Fees are one-time and vary by account size. The 1-Step and 2-Step carry no consistency score, and only the Instant account applies a best-day rule.

The AIFO 1-Step Challenge is a single evaluation phase with a 10% profit target, a 3% daily loss limit and a 6% static maximum loss, completed over at least 2 trading days. There is no consistency score. Once the target and trading days are met, AIFO reviews rule compliance and any required verification before issuing the funded account.

On a $100,000 account the target is $10,000, the daily loss limit is $3,000 and the static floor sits at $94,000 for the life of the account. Because the maximum loss is static, the floor does not trail upward as the balance grows, so profit built during the evaluation becomes additional room above that floor.

The 1-Step is exempt from AIFO's 70% margin usage limit, which applies elsewhere. Forex leverage is 1:30, metals and indices 1:10, stocks 1:5, Bitcoin 1:2 and other crypto 1:5. Expert Advisors are permitted.

The AIFO 2-Step Challenge has two phases: an 8% profit target in Phase 1 and a 5% target in Phase 2. It uses a 5% daily loss limit and a 10% static maximum loss, with at least 3 trading days in each phase and no consistency score.

On a $100,000 account that means a $8,000 target in Phase 1, $5,000 in Phase 2, a $5,000 daily loss limit and a static floor at $90,000. The 2-Step carries the widest loss limits AIFO sells, with $10,000 of total room on a $100,000 account against $6,000 on the 1-Step at the same size.

The 2-Step also carries the highest leverage in AIFO's range. Forex runs to 1:100, indices 1:50, commodities and metals 1:30, stocks 1:5, Bitcoin 1:2 and other crypto 1:5. That is more than three times the 1-Step's forex leverage.

The AIFO Instant account gives direct access to a funded account with no evaluation phase. It uses a 3% daily loss limit and a 5% maximum loss that trails the account's high-water mark and is capped at the initial balance. Total floating loss across open positions is limited to 2% of the initial balance.

On a $100,000 Instant account the floor starts at $95,000. It moves up with each new equity high until it reaches $100,000, then stops. From that point every further dollar of profit is room above a fixed floor.

The 20% best-day rule

Instant is the only AIFO account with a consistency rule. The highest-profit day in a payout period must stay strictly below 20% of that period's profit. A trader who makes $1,000 on their best day needs period profit above $5,000 before a payout qualifies. The 1-Step and 2-Step have no equivalent rule.

The 2% payout buffer

After a payout, retaining 2% of the initial balance in the account keeps it open for further trading. On a $100,000 account that is $2,000. Taking the full available payout instead closes the account. The minimum Instant payout request is $100, and requests can be made on demand once the conditions are met.

The full Instant conditions are on AIFO's Instant account FAQ. For a wider comparison of no-evaluation accounts, see our best instant funding prop firms list.

AIFO Sprint is a 24-hour account with a 3% profit target, a 2% static maximum loss set at 98% of the initial balance, and a 1% maximum floating loss. Only one position may be open at a time. Sprint pays a 90% profit split, or 95% on an early payout once closed profit reaches 6%.

Sprint was previously sold as AIFO Lite. The full Sprint rules are on AIFO's 24-hour challenge page.

AIFO sets leverage per account type rather than across the board. The 2-Step runs the highest leverage AIFO offers.

Stocks and crypto leverage are the same on both challenges. The difference sits in forex, indices and metals, where the 2-Step allows between three and five times the 1-Step's leverage. Combined with the 1-Step's exemption from the 70% margin usage limit, the two challenges suit different position sizing approaches.

What AIFO allows

What AIFO prohibits

The scalping rule is measured across a trader's whole trade history rather than per trade. A single fast exit does not trigger it. The rule applies when half or more of all trades close inside a minute.

AIFO pays 1-Step and 2-Step funded accounts every 14 days, or on demand where the fast payout add-on was bought. Instant accounts can request payouts on demand once their conditions are met. Sprint allows one payout request within 30 days after settlement. Every request has a $100 minimum and a $10,000 maximum.

The $10,000 per-request maximum applies across all account types. A trader with withdrawable profit above that figure takes it across more than one request. Payout requests remain subject to account status, KYC, compliance and review requirements. Full terms are on AIFO's payout rules page.

Profit split

The 1-Step and 2-Step pay an 80% default split, rising to 95% through the scaling plan. Sprint pays 90%, or 95% on an early payout once closed profit reaches 6%.

Payment methods

AIFO accepts Visa, Mastercard, American Express, Apple Pay, Google Pay, local bank transfer, and crypto in BTC, ETH, USDT and USDC.

AIFO allows up to $2,000,000 of allocation per trader. Starting account sizes run from $5,000 to $200,000, and the scaling plan carries an account beyond its starting size as it qualifies.

The scaling plan is also the route from the 80% default split to 95% on the 1-Step and 2-Step. A trader reaching 95% does so through sustained performance rather than at the first payout.

AIFO operates through two registered entities, both disclosed in the footer of every page on its site. AIFO HOLDING LIMITED is registered at RM 4, 15/F Sunwise Ind Bldg, 16-26 Wang Wo Tsai St, Tsuen Wan, Hong Kong, under number 80190485. AIFO Global Ltd is registered at Boulevard de Coalancanthe, Mutsamudu, Anjouan, Union of the Comoros, under number L16175/AG.

AIFO states that it provides educational services, simulated trading evaluations and proprietary trading assessment programs, that it does not act as a broker and does not accept deposits, and that all trading activity on its platform takes place in a simulated environment. That is the standard position for prop firms selling evaluations. Payouts are contractual payments based on simulated performance.

AIFO publishes rules per account type with worked figures, runs live chat support, and supports payment by card, bank transfer and four cryptocurrencies. Its services are not offered to residents of the United States, Iran, North Korea, Syria, Cuba or Russia, or to any jurisdiction subject to applicable sanctions.

These firms sell comparable account types and are covered in full on their own review pages.

To compare any two firms on the same fields, use the prop firm comparison tool.

AIFO sells four account types on MetaTrader 5. The 1-Step runs a 10% target against a 3% daily and 6% static maximum loss over at least 2 trading days, with forex leverage at 1:30 and an exemption from the 70% margin usage limit. The 2-Step runs 8% then 5% against a 5% daily and 10% static maximum loss over at least 3 trading days per phase, with forex leverage up to 1:100. Neither challenge carries a consistency score.

Instant skips the evaluation, trails a 5% maximum loss to the initial balance, applies a 20% best-day rule, and pays on demand with a 2% buffer keeping the account open. Sprint is a 24-hour, single-position account with a 3% target and one payout at 90% or 95%.

Payouts run every 14 days on the challenges and on demand on Instant, between $100 and $10,000 per request. The default split is 80%, rising to 95% through scaling, with up to $2,000,000 of allocation per trader.