Xfunded

XFunded is a UAE-based prop trading firm offering 1-Phase, 2-Phase, and Instant Funding accounts on MT5 and cTrader. They are known for having no time limits and a unique checkout add-on that allows traders to keep 100% of their profits.

Most prop firms take a 20% cut of your hard-earned money. XFunded lets you keep it all—if you tick the right box at checkout.

Based in Dubai and partnered with a regulated broker, XFunded offers a “No Time Limit” environment that is perfect for patient traders. Whether you want the raw speed of cTrader or the familiarity of MT5, they have the infrastructure to support it.

Quick Specs

Feature	Details
Headquarters	Dubai, UAE
Platforms	MT5, cTrader
Profit Split	80% – 90% (Or 100% with Add-On)
Scaling	Up to $1,000,000
Time Limits	None (Trade at your own pace)
Payout Frequency	Bi-Weekly (14 Days)

 

Pros & Cons

✅ Pros

• 100% Profit Split Add-On. This is rare. You can purchase an add-on at checkout to keep 100% of your profits forever.
• Choice of Platforms. Unlike many firms forcing you onto DXTrade, XFunded offers both MT5 and cTrader.
• No Time Limits. Take 5 days or 5 months to pass. There is no pressure to rush your trades.
• UAE Based. Operating out of a major financial hub adds a layer of credibility compared to offshore island firms.

❌ Cons

• Strict Instant Rules. The Instant Funding account has a tight 3% daily loss limit, which requires disciplined risk management.
• Add-On Cost. The 100% profit split isn’t free; you have to pay extra for the add-on at checkout.

XFunded Accounts & Pricing (The Breakdown)

You have three paths to funding. Choose based on your patience and your risk tolerance.

The 2-Phase is the “Safety Play” with wider drawdowns, while the 1-Phase is the “Sprinter’s Choice.” If you have the capital and hate evaluations, Instant Funding gets you straight to the money—but it’s not cheap.

Here is the breakdown for a standard $10,000 account (prices in Euro):

Account Type	Price (10k)	Profit Target	Daily Loss	Max Loss	Min Days
2-Phase Challenge	€89	8% / 5%	5%	10% (Trailing)	5 Days
1-Phase Challenge	€115	10%	4%	6%	5 Days
Instant Funding	€249 (Starts)	None	4% (Trailing)	6%	5 Days

The Analysis

• 2-Phase Challenge (Best Value): This is the cheapest entry (€89). You get the most breathing room with a 5% Daily and 10% Max Loss. The trade-off is passing two stages.
• 1-Phase Challenge: Faster but stricter. You need to hit 10% profit with only 6% max drawdown. One bad week wipes you out. Best for aggressive snipers.
• Instant Funding: You skip the evaluation. Leverage is high at 1:100, but the rules are just as strict as the 1-Phase (4% Daily / 6% Max). Weekend holding is NOT allowed on any account type.

The 100% Profit Split (How It Works)

Most firms cap you at 90%. XFunded lets you keep everything.

There are two ways the profit split works here, and you need to understand the difference to maximize your payout.

1. The Standard Payout

If you do nothing extra, you still get a top-tier split:

• First Payout: 80% Profit Split.
• Subsequent Payouts: 90% Profit Split.
• Frequency: Weekly (This is faster than the industry standard bi-weekly).

2. The 100% Add-On (The “Cheat Code”)

At checkout, you can select a specific add-on. If you choose this, you receive 100% of all profits generated on your challenge account.

• Why do this? If you are a high-volume profitable trader, that extra 10-20% adds up to thousands of dollars very quickly. It turns the prop firm into a zero-commission funding partner.

Trading Rules (Read Carefully)

XFunded has a few specific rules that will catch you off guard if you don’t read the fine print.

1. The “14-Day” Rule (Active Days)

On the 1-Phase and 2-Phase challenges, there is a “Min. Active Days: 14 days” rule listed.

• What this means: Even if you pass in 5 days, the phase might not officially close until 14 days have passed since your first trade. This prevents “lucky punts.”

2. Weekend Holding: BANNED

Unlike FTUK or Blueberry Funded, XFunded says “Weekend Holding: No” on all account tables.

• The Risk: You must close all trades before the market closes on Friday. If you leave a trade open, it’s a breach (or forcibly closed).

3. Trailing Drawdown

Both the 2-Phase (10% max) and Instant/1-Phase (6% max) use a Trailing Drawdown.

• Example: If your account grows by 4%, your max loss limit moves up by 4%. It locks in your progress but reduces your wiggle room.

The Verdict

XFunded is a “niche” firm that solves three specific problems for traders.

If you are a scalper, the combination of cTrader + Raw Spreads + Zero Commissions is hard to beat. Most firms kill scalpers with $7/lot commissions; XFunded lets you keep that money.

If you are confident, the 100% Profit Split Add-On is a mathematical no-brainer. Paying a small fee upfront to keep an extra 10-20% of your profits forever is the highest ROI investment you can make if you plan to be profitable long-term.

Who is this for?

• cTrader Users: If you hate MT4/MT5, this is one of the few reputable homes for cTrader.
• The “Patient” Trader: No time limits mean you don’t have to force bad trades just to beat a 30-day clock.
• Scalpers: Zero commissions are a massive edge for high-frequency strategies.

 

FAQ

Can I hold trades over the weekend?

No. According to their latest rules, weekend holding is not permitted on any account type (1-Phase, 2-Phase, or Instant). You must close all open positions before the market closes on Friday, or you risk a breach.

What trading platforms can I use?

You can choose between MetaTrader 5 (MT5) and cTrader. cTrader is particularly popular among scalpers for its depth of market and fast execution, while MT5 is the industry standard for algorithmic trading.

What is the profit split?

The standard profit split starts at 80% for your first payout and increases to 90% for subsequent payouts. However, you can purchase an add-on at checkout that grants you a permanent 100% profit split on all earnings.

Is there a time limit to pass the challenge?

No. There are no time limits on the 1-Phase or 2-Phase challenges. You can take as long as you need to hit the profit target, provided you respect the inactivity rule (placing at least one trade every 30 days).