Fast-growing firm with STATIC (non-trailing) evaluation drawdowns, an up-to-100% profit split and scaling to $2M. The catch is discretionary 'toxic strategy' enforcement at payout and a best-day consistency check on the 90% On-Demand cycle.
Static (non-trailing) evaluation drawdowns, up to 100% split and $2M scaling make it one of the more winnable challenges — as long as you avoid the strategies it deems 'toxic.'
Pros
Static, balance-based drawdown on all three evaluation models — the floor never trails up against you
Up to 100% profit split (monthly cycle), plus a 95% instant-funding Zero account
Generous daily-loss basis (higher of start balance or equity) gives real intraday room
No consistency rule during the evaluation — it only applies at On-Demand payout
Watch out
Common complaint: payouts held up over the 35% best-day consistency math (On-Demand)
Discretionary 'toxic strategy' enforcement at payout review — you can pass and still be voided
Recurring gripe: slow support, plus flags for shared-IP / copy-trading
Best for: Discretionary swing/intraday traders who want a static (non-trailing) eval and a high or instant split — and who avoid scalping/arbitrage/news-spike styles.
Bottom line: Winnable and high-paying if you trade a clean discretionary style and pick the cycle that fits your payout patience.
On the three evaluation models the loss floor is STATIC — fixed from your starting balance and it never moves: 6% on 1-Step and 2-Step Pro, 10% on 2-Step Standard. The Zero (instant) account is the exception: 5% trailing off peak equity until you bank +5% profit, then it locks at your starting balance.
Gotcha: Don't assume 'static' trails up with profit — on the evals it doesn't move, and on Zero it DOES trail until +5%. Hitting the static floor is a hard breach.
Each day you get a loss budget — 4% (1-Step), 5% (2-Step Standard), 3% (Pro/Zero) — calculated off the HIGHER of your starting balance or starting equity for the day. It resets at 00:00 platform time (UTC+3).
Gotcha: The reset is UTC+3 (platform time), not your local midnight or your broker's server time. Misjudging the rollover and holding a loser across 'the next day' is a classic breach.
There is NO consistency rule during the challenge. It only bites at payout, and only if you choose the 90% On-Demand cycle: your single best trading day can't exceed 35% of your total profit, or the request is held until smaller days dilute the ratio.
Gotcha: It's a payout rule, not an evaluation rule, and only on On-Demand. The '45% consistency' figure online refers to the separate FundingPipsX product — not these classic models.
On funded (Master) accounts, profit from trades opened or closed within 5 minutes before/after a high-impact 'red folder' release on the affected instrument does NOT count — unless the trade was opened 5+ hours before the event. Deliberate news-trading can escalate to termination.
Gotcha: It's 'profit won't count,' not just a warning — and repeated/deliberate news-spike trading is treated as a forbidden strategy. The window is per affected currency, red-folder only.
On Master accounts a (currently 'temporary') restriction applies: positions must be closed before Friday market close, and anything left open is auto-closed by the system. It is described as NOT a hard breach. Intraday/overnight within the week is fine.
Gotcha: Because the system auto-closes a Friday-held position, you lose control of the exit price — a winner can get a worse fill. The policy is flagged 'temporary,' so re-check it.
Your OWN EA is allowed (full automation OK) provided you can prove ownership on request — source code, version history, or explaining the logic on a call. Third-party EAs are only allowed as a trade/risk manager, not for full automation. Competition accounts ban all EAs.
Gotcha: The trap is proof of ownership: a bought/downloaded EA you can't produce source for, or explain, is treated as banned third-party automation and the account can be voided.
Copying trades OUT of your FundingPips account to your own external accounts is allowed. Copying trades INTO your FundingPips account — from a signal service, copier, or another person — is forbidden and treated as third-party account management.
Gotcha: Direction is everything: your account receiving copied trades = termination. It also catches 'one operator copying into two accounts' setups.
Banned outright: HFT, all arbitrage (latency, hedge, long-short, reverse), tick scalping, gap trading, server/execution exploits, 'toxic flow,' opposite-account hedging and churning. FundingPips classes all arbitrage as toxic.
Gotcha: Tick scalping and gap trading are named explicitly — fast scalpers get flagged even without intent to arb. Enforcement is discretionary and applied at payout review, so you can pass and still be voided when you withdraw.
2-Step Standard needs at least 3 trading days per phase; 2-Step Pro needs 1. A trading day = a day you open/close at least one trade. Min-days is checked when you hit target — pass early and you still must trade the remaining days.
You pick your split by how often you withdraw: Weekly 60%, Bi-Weekly 80%, On-Demand 90% (gated by the 35% best-day consistency rule), or Monthly 100%. The Zero account pays 95% bi-weekly. First payout is typically the Tuesday after ~5 trading days; requests are reviewed for 1–3 working days. Capital scales up to $2M.
Gotcha: The headline 100% split requires the patient monthly cycle, and the attractive 90% On-Demand is the only one gated by consistency — so an 'instant 90%' can be held if one big day skewed your profit.
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Informational and comparison content only — not financial advice and not affiliated with FundingPips. Rules change often; verify against FundingPips's official terms before relying on any detail. Last reviewed Jun 5, 2026.
