Instant Funding: Payouts & split
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.
The gotcha
On the flagship you must lock Smart Drawdown (+5%) AND wait 14 days from the first trade before the first withdrawal.
What happens if you break it
Breaching this doesn't necessarily close the account, but it can disqualify the payout you were trading toward — you keep trading, the profit doesn't get paid.
The numbers
| split | 80-90 |
| flagshipFirst | 14d then 7d |
| minUsd | 25 |
| maxScaling | 1280000 |
Source: support — official page . Confidence: verified.
How other prop firms handle payouts
Instant Funding's payouts & split is one approach. Here's how the rest of the field treats payouts — sorted by how hard a breach hits.
| Firm | Rule | If breached |
|---|---|---|
| Alpha Capital Group | Payouts, split & scaling | Payout denied |
| Apex Trader Funding | Payouts, split & safety net | Payout denied |
| AquaFunded | Payouts & split | Payout denied |
| ATFunded | Payouts & split (pre-pause) | Payout denied |
| Atmos Funded | Payouts & split | Payout denied |
| Audacity Capital | Payouts & split | Payout denied |
| Blue Guardian | Payouts & split | Payout denied |
| Blueberry Funded | Payouts & scaling | Payout denied |
| Blueberry Futures | Payouts, split & live milestone | Payout denied |
| Breakout | Payouts & split | Payout denied |
| City Traders Imperium | Payouts & split | Payout denied |
| Crypto Fund Trader | Payouts, split & scholarship framing | Payout denied |
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Informational only — not financial advice, not affiliated with Instant Funding. Verify against official terms before relying on this. Last reviewed Jun 5, 2026.
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