AIFO

AIFO is a proprietary trading firm that launched in 2026 and sells simulated evaluation accounts on MetaTrader 5. It offers 1-Step, 2-Step, 3-Step, Instant and 24-hour Lite accounts from $5,000 to $200,000, pays a base 80% profit split rising to 95% through its scaling plan, and pairs the accounts with an education academy and an AI coaching tool. It does not accept traders resident in the United States.

AIFO positions itself as education-first rather than evaluation-first. The site carries an academy, live sessions, mindset coaching and an AI Coach at aicoach.aifo.com. That is the marketing angle. The commercial product underneath is the same as every other prop firm on our prop firm reviews directory: you pay a fee, you trade a simulated account against a target and a set of loss limits, and you get paid a share of simulated profit if you pass and stay inside the rules.

Two corporate entities appear in the footer. AIFO HOLDING LIMITED is registered in Tsuen Wan, Hong Kong under number 80190485. AIFO Global Ltd is registered in Mutsamudu, Anjouan, Union of the Comoros under number L16175/AG. Neither is a financial regulator licence, and prop firms do not need one, but do not read the word "License" in the footer as regulatory oversight of your money.

AIFO is a real operating prop firm with named corporate entities, a working MetaTrader 5 platform, published rules and live support. It is not a scam on the evidence available. It is, however, roughly 4 months old with 11 Trustpilot reviews and about $1 million in self-reported payouts, which is not enough history to prove it pays reliably at scale.

Here is what we could and could not verify as of 6 August 2026.

The gap between "documented" and "proven" is the whole story with AIFO. The rules are written down in more detail than most prop firms bother with. What has not happened yet is a large enough volume of traders reaching payout for anyone outside the company to confirm the rules are applied as written. You can read our method for assessing this in the prop firm comparison tool, and you can check the live profile yourself on AIFO's Trustpilot page.

AIFO sells five account routes. The 1-Step needs an 8% profit target. The 2-Step needs 5% then 8%. The 3-Step needs 3%, 3% then 5%. Instant accounts have a 4% target with no evaluation phase. Lite is a 24-hour account with a 3% target. Every route runs a 3% daily loss limit except Instant, which is tighter at 2%.

Targets and loss limits by route

AIFO $100,000 account prices

AIFO's challenge table is loaded by JavaScript and did not render for us. The prices below come from AIFO's own pricing article, which states they were checked on 30 June 2026. Treat them as indicative and confirm at checkout.

The 2-Step is the best value on this table and it is not close. It costs $5 more than the 1-Step and gives you $3,000 more room before the account dies. Traders default to the 1-Step because one phase feels faster, then discover that an 8% target on 5% of room means a single bad session removes most of the buffer they needed to reach it.

AIFO's daily loss limit is 3% on evaluation accounts and 2% on Instant accounts, calculated from the higher of the previous day's closing balance or closing equity. Maximum loss is 5% or 8% depending on route. The 1-Step and Instant models trail upward with new equity highs. The 2-Step and 3-Step are static.

The daily loss rule uses the higher of balance or equity

This one detail costs traders accounts. If yesterday closed at $105,000 balance and $107,000 equity, AIFO measures your 3% from $107,000, so your floor is $103,790, not $101,850. The rule reads like a courtesy until you realise it works against you. Carrying a winning position overnight raises the equity figure, which raises the floor, which means that same open trade giving back its gains the next morning can breach you before you have lost a cent of realised money. Swing traders holding through the daily reset get caught by this constantly.

The 1-Step trailing drawdown includes unrealised profit

On a $100,000 1-Step account, the floor starts at $95,000. When equity touches $102,000 the floor moves to $97,000. It keeps climbing with each new equity high and never comes back down, and it stops moving once it reaches the initial balance. Crucially, AIFO states the calculation includes unrealised profit and loss. So an open trade that spikes 4% and gives it all back has permanently raised your floor by 4% and returned you to breakeven at the same time. You are not flat. You are 4% closer to failing. Anyone who scales into winners or lets runners breathe should read this rule twice before buying the 1-Step.

Static drawdown on 2-Step and 3-Step does not reset after payout

On the 2-Step, a $100,000 account has a hard floor at $92,000 that never moves, even if the account grows to $120,000. AIFO explicitly points out that at many prop firms the static floor lifts to the initial balance once your first payout is processed, and states that at AIFO it stays at $92,000. That is a real advantage and worth naming: your buffer does not shrink the moment you take money out. It is also the single strongest reason to pick the 2-Step over the 1-Step.

If drawdown mechanics are new to you, the pattern of who gets caught by trailing versus static is worth understanding before you pick a route, not after.

AIFO publishes more rule detail than most new prop firms, but at least four published statements contradict other published statements. None of these are hidden. All were visible on AIFO's own pages on 6 August 2026. Get written clarification from support before you trade against any of them.

We are not calling these deceptive. They read like a fast-growing prop firm copying rule blocks between account pages without a final proofread. But a rule you cannot rely on is a rule you cannot trade against, and the consequence of guessing wrong is a closed account rather than a support ticket.

AIFO's restricted trading page is where this prop firm gets genuinely strict. Scalping is a closable offence if 50% or more of your trades are held under 1 minute. High-frequency trading is closure. Using 70% or more margin utilisation is a violation. Grid trading results in confiscated profits. These are not soft warnings. AIFO lists the enforcement outcome next to each one.

AIFO also states it "reserves the final right of interpretation for unreasonable trading strategies." That clause sits above every rule in the table. It means the published thresholds are the floor of what can be enforced, not the ceiling.

What AIFO does allow

Read the full list yourself on AIFO's restricted trading page before buying anything.

AIFO runs on MetaTrader 5 only. There is no cTrader, TradeLocker, DXtrade or Match-Trader option. Instruments cover forex, gold and precious metals, indices, stocks and cryptocurrencies. Maximum forex leverage is 1:30, which matches FXIFY's default setting and sits at the conservative end of the 1:30 to 1:100 range used across major prop firms.

The more useful point is not the 1:30 figure on its own. It is how that figure interacts with the 70% margin utilisation rule. Lower leverage means every position consumes more margin, so a trader running normal size can drift toward the 70% threshold without doing anything AIFO would call reckless. AIFO also reserves the right to reduce your leverage further if it judges your trading too aggressive.

Server time is GMT+3, which sets when the daily loss limit resets. If you trade a session that straddles that reset, work out which side of it your positions land on before you size them. Platform documentation is available at the official MetaTrader 5 site.

AIFO pays a default 80% profit split on 1-Step, 2-Step and 3-Step funded accounts, rising to 95% through the scaling plan or via a paid add-on. The minimum payout is $200 and the standard cycle is 14 business days. Traders must leave at least 2% of the initial account size in the account as a buffer, and requesting a full withdrawal automatically closes the account.

What actually reaches your bank

The Instant consistency rule deserves a second look. Requiring your best day to stay under 15% of total profit means a trader who makes $1,000 on one strong day needs total period profit above $6,667 before that day stops blocking the payout. On a 4% target, that is more profit than the target itself requires. Instant traders should plan for many small winning days, not a few good ones.

AIFO's payout page claims $1 million-plus paid across 1,392 payouts to 4,300 traders, with a 24-hour average processing time. That averages roughly $718 per payout, which is consistent with a young prop firm where most accounts are small. It is self-reported with no independent verification.

AIFO Lite is a 24-hour, single-instrument account with a 3% target, a 2% static drawdown and a 1% floating loss cap. It pays 90%, or 95% if you reach 6% closed profit. You get exactly one payout, after which the account is permanently closed. It is the most unusual product AIFO sells and the one most likely to be misunderstood.

If AIFO's leverage cap, scalping ban or short track record rules it out, these three prop firms cover the same trader profiles with more history behind them.

You can filter all 108 prop firms we cover by platform, payout method and country on the prop firm comparison tool.

AIFO scores 8 out of 10. It documents its rules in more depth than most prop firms launched in 2026, the 2-Step account is strong value at $294.50 for $8,000 of drawdown room, and its static drawdown holds its original floor after your first payout instead of lifting to the initial balance. Overnight and weekend holding, EA support on the multi-step routes, no mandatory stop loss and a $200 minimum payout round out a solid offer for a firm this new.

It is held back by a scalping rule that closes accounts at a 50% under-one-minute threshold, a 2% profit buffer paired with a full-withdrawal rule that shuts the account, and four places where its own published rule pages contradict each other. None of that makes AIFO a bad prop firm. It makes it a strict one that a careless trader will fail on a technicality rather than on a losing trade.

The remaining unknown is enforcement. Nothing we found suggests AIFO is dishonest, but a 4-month track record and 11 public reviews mean nobody outside the company can yet tell you how consistently these rules are applied at payout. That is a reason to size sensibly, not a reason to avoid the prop firm.

If you want to try it, buy the 2-Step at the size that matches your normal risk, read the restricted trading page in full first, and get written confirmation from support on the minimum trading days question and the post-payout drawdown behaviour before you place a trade. Revisit this page in 6 months when there is payout data worth reading.