A London sim-funder whose flagship has no profit target, no daily loss limit and even allows (limited) martingale — but runs a 'Smart Drawdown' that ratchets from 10% to 5% once you bank +5%, which doubles as a soft payout gate. The rules vary sharply by plan: consistency is 40% on challenges but 15% on micro/IF1, and the 60-second-minimum-hold HFT rule catches scalpers.
A genuinely flexible instant funder — no target, no daily loss limit on the flagship, martingale partly allowed — with a clever Smart Drawdown that's also a soft payout gate.
Pros
Flagship Instant Funding: no profit target, no daily loss limit, no consistency rule
Smart Drawdown starts at 10% and only tightens to 5% after you lock +5% profit
Limited martingale allowed; on-demand and 7-day payout cycles; $25 minimum
Three platforms (MT5/cTrader/Match-Trader) and dedicated Micro/Crypto/24-hour plans
Watch out
Smart Drawdown must be 'locked in' (hit +5%) before any payout — a soft 5% gate on the no-target flagship
Consistency varies a lot by plan (40% challenges, 15% micro/IF1); weekend holding needs an add-on on flagship
HFT rule bans trades held ≤60 seconds; public third-party EAs prohibited
Best for: Traders who want a no-target, no-daily-limit instant account and don't mind banking +5% before withdrawing — and who hold trades over a minute.
Bottom line: One of the more flexible instant funders; just treat the +5% Smart Drawdown lock as your real first milestone and check your plan's consistency %.
Quick facts
Account sizes
$625 – $300K
Profit split
80% (90% add-on; IF1 90%)
Max scaling
$1.28M (Smart Drawdown, x2 per +10%)
Platforms
MT5, cTrader, Match-Trader
Instruments
Forex, Indices, Metals, Crypto
Payouts
Flagship: first at 14 days then every 7; challenges on-demand; $25 min
Flagship Instant Funding (and GO) use 'Smart Drawdown': it starts at 10% of the starting balance and, once you achieve a 5% balance gain, tightens permanently to 5% of the starting balance — based on starting balance, not trailing equity (a one-time ratchet, not a continuous trail). All other plans use a static drawdown off the starting balance: 6% (Micro/Crypto), 8% (One-Phase), 10% (Two-Phase, to 12% with add-on), 4% (IF1).
Gotcha: Smart Drawdown must be 'locked in' (you must hit +5%) before you can withdraw — so the no-target flagship has a soft 5% gate before any payout.
Enforced at payout, not as an account-void. One-Phase & Two-Phase: best day ≤ 40% of total profit. Micro / Micro Crypto / IF1 / One-Phase Micro / Two-Phase Micro: ≤ 15% (Micro with add-on ≤ 20%). Flagship Instant Funding & GO: NO consistency rule. (Old '25%' figures circulating online are outdated.)
Gotcha: The consistency cap swings from 40% on challenges to just 15% on micro/IF1 — don't carry one number across plans.
Trades within 4 minutes before or after a high-impact news event are prohibited. Micro, IF1, One-Phase Micro, Two-Phase Micro, Micro Crypto and One-Phase Crypto are exempt; a 'Major News Trading' add-on grants full access on restricted plans.
Overnight holding is permitted (swap fees apply). Weekend holding is enabled by default for challenge phases and the Micro/Crypto plans, but on the flagship Instant Funding it requires the Weekend Holding add-on — otherwise close positions before Friday close.
Gotcha: Flagship Instant Funding needs a paid add-on to hold over the weekend; forgetting risks a breach.
Public third-party EAs/bots/algorithms are prohibited. Copy trading between your own accounts (prop or retail) is allowed; copying between unrelated accounts or via shared signals/account-management is prohibited. No HFT or algo arbitrage.
Prohibited: HFT (holding trades ≤60 seconds), latency/reverse/account arbitrage, gap trading, toxic order flow, tick scalping, grid trading, reverse/group hedging, one-sided gambling and day-padding. Martingale is ALLOWED on challenges, Micro and IF1; on the flagship you may add to losers but cannot continuously double lot sizes. Risk-per-trade caps also apply (~50% of the daily drawdown; flagship 3% of starting balance).
Gotcha: Martingale is unusually allowed — but on the flagship you can't keep doubling, and any trade held ≤60s counts as banned HFT.
One-Phase & Two-Phase: 3 days. One-Phase Crypto: 7 days (one trade per day). Flagship Instant Funding & GO: none. 'Day padding' with abnormally small lots to fake minimum days is disallowed.
80% split (90% via add-on; IF1 90%; challenges reach 90% after a 10% gain held 90+ days). Flagship/GO: first withdrawal 14 days after the first trade, then every 7 days, with Smart Drawdown locked in first. Challenges/Micro/Crypto: on-demand once eligible. Minimum profit to withdraw: 1.5% of starting balance or $25 (Micro/Crypto 5%, IF1 2%); min withdrawal $25; processed within 48 business hours via RISE or crypto (USDC). Combined account-size cap ~$940,000; Smart Drawdown plans scale x2 per +10% gain up to $1.28M.
Gotcha: On the flagship you must lock Smart Drawdown (+5%) AND wait 14 days from the first trade before the first withdrawal.
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Informational and comparison content only — not financial advice and not affiliated with Instant Funding. Rules change often; verify against Instant Funding's official terms before relying on any detail. Last reviewed Jun 5, 2026.
