Please read this to understand the rules of the challenge.
Overview
What is the Instant Funding Lite Program?
The Instant Funding Lite program removes the need for a challenge phase. Simply purchase an account and begin trading right away — you're funded instantly.
Account Parameters
Profit Cap: 5% per payout cycle
Maximum Drawdown: 6% (trailing high-watermark)
Daily Drawdown: 3%
Profit Consistency Rule: 15%
Max Funding: $200,000
Trading Rules
Stop Losses
A stop-loss is mandatory in funded accounts and must be set within 5 minutes of trade entry.
Fake stop-losses are prohibited (e.g., placing an SL that, if hit, would cause losses greater than daily/max drawdown).
News Trading
News trading is allowed at all times.
Expert Advisors (EAs)
❌ EAs are not allowed on Instant Funding Lite accounts.
Copy Trading
Allowed for copying your own trades.
Copying other traders' trades in the same timeframe is not permitted.
Averaging Into Trades
Allowed, but trades in the same direction on the same pair (within a short timeframe) are treated as one Trade Idea.
Trade Ideas are used when checking Profit Consistency.
Tick Scalping
Please avoid any attempts at tick scalping, and keep trades open for over 2 minutes.
Consistency Rules
Profit Consistency Rule (15%) (from 1st June 2025)
No single trading day may equal or exceed 15% of your total profit for that payout period.
Example: If you make $750 in one day, you must reach $5,000 total profit before you are eligible to request a payout.
Consistency formula: (Biggest Winning Day ÷ Total Profit for the payout period) × 100 must be 15% or less.
Not meeting the consistency rule is not a breach — you simply keep trading until you reach the threshold.
Payout requests cannot be made until this rule is satisfied.
Worked example: On a $100,000 account with $5,000 total profit, 15% of $5,000 is $750, so your biggest winning day must be $750 or less. If your biggest day is $900, then $900 ÷ $5,000 = 0.18 (18%) — above 15%, so you can't request a payout yet. Keep trading until total profit reaches $6,000: $900 ÷ $6,000 = 0.15 (15%), and you become eligible.
Lot Size Consistency
There is no lot size consistency rule on Instant Funding Lite.
Drawdown & Targets
Maximum Drawdown (Trailing High-Watermark, 6%)
The breach level = highest balance/equity reached (HWM) – 6% of that highest value.
Example (start $100,000):
At start: HWM = $100,000 → breach level = $94,000.
If equity peaks at $102,000: HWM = $102,000. 6% of $102,000 is $6,120, so the new breach level is $95,880.
If balance later peaks at $107,000: HWM = $107,000. 6% of $107,000 is $6,420, so the new breach level is $100,580.
If your balance or equity hits or drops below the breach level at any time, the account is closed. Unlike a static drawdown, this limit trails upward as your account grows.
Daily Drawdown
Max daily loss = 3% of initial balance, recalculated daily at 5pm EST.
Uses the higher of balance or equity at reset.
Example 1 – With Floating Profit
$100,000 account with +$2,000 open profit = equity $102,000.
Next day, equity cannot drop below $99,000 ($102,000 – $3,000).
Example 2 – With Floating Loss
$100,000 account with –$2,000 open loss = equity $98,000.
Since balance ($100,000) is higher, drawdown uses balance.
Next day, equity cannot fall below $97,000 ($100,000 – $3,000).
Payouts
Profit Split
Traders receive 80% of the eligible payout amount, from the first payout onward.
Payout Schedule
Regular withdrawal schedule: every 14 days.
Promotional periods: instant payout requests may be available, please check the challenge table to see if applied.
Profit Cap & Max Withdrawal
Profit cap = 5% of initial balance per cycle.
Max withdrawal = 5% per payout period.
Example: On a $200,000 account, max withdrawal = $10,000 each cycle.
Instant Payouts
✅ Available on Instant Funding Lite (as well as 1 Step and 2 Step).
This means you can request a payout immediately after meeting requirements.
Processing is still covered by the 24-hour guarantee.
24-Hour Payout Guarantee
Once requested, payouts are processed within 24 business hours.
If delayed, you'll receive an extra 10% on your profit split.
Exceptions include weekends, holidays, compliance checks, or delays in Rise onboarding.
Top Up Feature
Traders will be able to "Top Up" the balance on their account if in drawdown; they will pay more depending on how much drawdown they are in. It can be found within the dashboard on your account's metric page.
For example, if you are on a $200,000 account at $192,000 current balance, you can pay to have your balance adjusted back to the starting balance.
Rule Breaches & Payout Denials
Soft Breaches (Profit Deductions)
If you break a rule (e.g., the Stop Loss rule or other restrictions), the profit from that trade is deducted from your total profit.
If deductions are less than your profit, the reduced payout is still processed.
If deductions are greater than your profit (e.g., $3,000 profit but $4,000 deducted), your payout is denied.
You have a maximum of 20 soft breaches before account closure; this is detected at the payout stage, not automatically.
If 50% or more of your trades are soft breached, your payout will be declined. For example, if you have 15 trades and 10 of them are in breach of our rules, the payout will be declined.
Payout Denial Penalties
1st denial: profit split halved.
2nd denial: account closed.
Floating Loss Rule (from 2nd February 2026)
If your account equity ever falls more than 1% below the starting balance (including floating losses, swaps, and commissions), penalties will apply:
1st breach: profit split is halved.
2nd breach: account closed.
💡 This rule can be removed as an add-on for 15% of your account cost on the following accounts: Instant Funding Static, EA Challenge, and Instant Funding Lite. If you have purchased the Floating Loss Rule removal add-on, this rule will not apply to your account.
Example: On a $100,000 account, if your starting balance is $100,000 and you have two trades open that together push your equity below $99,000 (a 1% floating loss), the system will register a breach. After the second breach, the account will be closed.
⚠️ This rule applies only to accounts purchased after 2nd February 2026.
Example: If you're on a $100,000 account at a balance of $102,000 with an equity of $100,900 — a floating loss of over $1,000 (1% of the starting balance) — the system will register a breach.
Resets
Free Reset
❌ Not available on Instant Funding Lite accounts.