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FXIFY rules: drawdown, daily loss and reset time

FXIFY has 8 programs with verified rules, and the maximum loss is intraday trailing on 5 and static on 3. The daily loss limit resets at 17:00 New York time (ET) on every program. The table for each program below gives the profit target, daily loss limit and maximum loss, with the verification date and the firm's own source.

Verified on against FXIFY’s own rules: fxify.com/programs/one-phase, fxify.com/programs/two-phase, fxify.com/programs/three-phase-challenge. Consistry re-reads every firm’s pages weekly.

FXIFY rules by program

FXIFY One Phase

Verified September 15, 2026 · source

FXIFY One Phase: a 10% profit target, a 3% daily loss limit that resets at 17:00 New York time (ET), and a 6% intraday trailing maximum loss that stops trailing once it reaches the starting balance.

FXIFY One Phase limits
PhaseProfit targetDaily loss limitMaximum lossMaximum loss type
Rules10%3%6%Intraday trailing
Daily reset
The daily loss limit resets at 17:00 New York time (ET).
Daily loss calculation
The limit is 3% of the starting account size.
Maximum loss
The maximum loss is 6%, trailing: it follows the peak and it is recalculated on every tick. It sits a fixed distance behind the peak. It stops trailing once it reaches the starting balance.
Minimum trading days
10% target, at least 5 trading days.
Consistency rule
No consistency rule.
News trading
Allowed. One, Two and Three Phase, Lightning and Instant Funding Standard allow trading through news (improper risk management around news can still be flagged). Instant Funding Lite is the exception, see its override. source

Program notes. 10% target, at least 5 trading days. Daily loss is 3% below the balance recorded at 5 PM EST the day before. The 6% max trails your closed balance as trades close (not once a day) and locks at the starting balance once you are 6% up, or when a payout is processed. Fee 100% refundable; split up to 90%.

FXIFY Two Phase Classic

Verified September 15, 2026 · source

FXIFY Two Phase Classic: 5% then 10% profit targets, a 4% daily loss limit that resets at 17:00 New York time (ET), and a 10% static maximum loss.

FXIFY Two Phase Classic limits
PhaseProfit targetDaily loss limitMaximum lossMaximum loss type
Phase 15%4%10%Static
Phase 210%4%10%Static
Daily reset
The daily loss limit resets at 17:00 New York time (ET).
Daily loss calculation
The limit is 4% of the starting account size.
Maximum loss
The maximum loss is 10%, static: a fixed floor below the starting balance that never moves.
Minimum trading days
At least 4 trading days.
Consistency rule
No consistency rule.
News trading
Allowed. One, Two and Three Phase, Lightning and Instant Funding Standard allow trading through news (improper risk management around news can still be flagged). Instant Funding Lite is the exception, see its override. source

Program notes. Phase order is FXIFY's own: Phase 1 targets 5%, Phase 2 targets 10%. At least 4 trading days. Daily loss is 4% below the balance recorded at 5 PM EST the day before; the 10% max is static. No consistency rule; the drawdown does not lock on payout.

FXIFY Two Phase Standard

Verified September 15, 2026 · source

FXIFY Two Phase Standard: 10% then 5% profit targets, a 4% daily loss limit that resets at 17:00 New York time (ET), and a 10% intraday trailing maximum loss that stops trailing once it reaches the starting balance.

FXIFY Two Phase Standard limits
PhaseProfit targetDaily loss limitMaximum lossMaximum loss type
Phase 110%4%10%Intraday trailing
Phase 25%4%10%Intraday trailing
Daily reset
The daily loss limit resets at 17:00 New York time (ET).
Daily loss calculation
The limit is 4% of the starting account size.
Maximum loss
The maximum loss is 10%, trailing: it follows the peak and it is recalculated on every tick. It sits a fixed distance behind the peak. It stops trailing once it reaches the starting balance.
Minimum trading days
10% then 5%, at least 5 trading days.
Consistency rule
No consistency rule.
News trading
Allowed. One, Two and Three Phase, Lightning and Instant Funding Standard allow trading through news (improper risk management around news can still be flagged). Instant Funding Lite is the exception, see its override. source

Program notes. 10% then 5%, at least 5 trading days. Daily loss is 4% below the balance recorded at 5 PM EST the day before. The 10% max trails your closed balance as trades close and locks at the starting balance once you are 10% up, or on a payout. Fee 100% refundable; payouts on demand.

FXIFY Two Phase Pro

Verified September 15, 2026 · source

FXIFY Two Phase Pro: 4% then 8% profit targets, a 4% daily loss limit that resets at 17:00 New York time (ET), and an 8% static maximum loss.

FXIFY Two Phase Pro limits
PhaseProfit targetDaily loss limitMaximum lossMaximum loss type
Phase 14%4%8%Static
Phase 28%4%8%Static
Daily reset
The daily loss limit resets at 17:00 New York time (ET).
Daily loss calculation
The limit is 4% of the starting account size.
Maximum loss
The maximum loss is 8%, static: a fixed floor below the starting balance that never moves.
Minimum trading days
4% then 8%, at least 3 trading days.
Consistency rule
No consistency rule.
News trading
Allowed. One, Two and Three Phase, Lightning and Instant Funding Standard allow trading through news (improper risk management around news can still be flagged). Instant Funding Lite is the exception, see its override. source

Program notes. 4% then 8%, at least 3 trading days. Daily loss is 4% below the balance recorded at 5 PM EST the day before; the 8% max is static. A daily gains cap applies ($4,000 on the $10K card). 80% split, payouts every 10 days; fee not refunded.

FXIFY Three Phase

Verified September 15, 2026 · source

FXIFY Three Phase: a 5% profit target in each of 3 phases, a 5% daily loss limit that resets at 17:00 New York time (ET), and a 5% static maximum loss.

FXIFY Three Phase limits
PhaseProfit targetDaily loss limitMaximum lossMaximum loss type
Phase 15%5%5%Static
Phase 25%5%5%Static
Phase 35%5%5%Static
Daily reset
The daily loss limit resets at 17:00 New York time (ET).
Daily loss calculation
The limit is 5% of the starting account size.
Maximum loss
The maximum loss is 5%, static: a fixed floor below the starting balance that never moves.
Minimum trading days
5% in each of three phases, at least 5 trading days.
Consistency rule
No consistency rule.
News trading
Allowed. One, Two and Three Phase, Lightning and Instant Funding Standard allow trading through news (improper risk management around news can still be flagged). Instant Funding Lite is the exception, see its override. source

Program notes. 5% in each of three phases, at least 5 trading days. Daily loss is 5% below the balance recorded at 5 PM EST the day before; the 5% max is static. Fee 100% refundable. US residents are excluded.

FXIFY Lightning

Verified September 15, 2026 · source

FXIFY Lightning: a 5% profit target, a 3% daily loss limit that resets at 17:00 New York time (ET), and a 4% intraday trailing maximum loss that stops trailing once it reaches the starting balance.

FXIFY Lightning limits
PhaseProfit targetDaily loss limitMaximum lossMaximum loss type
Rules5%3%4%Intraday trailing
Daily reset
The daily loss limit resets at 17:00 New York time (ET).
Daily loss calculation
The limit is 3% of the starting account size.
Maximum loss
The maximum loss is 4%, trailing: it follows the peak and it is recalculated on every tick. It sits a fixed distance behind the peak. It stops trailing once it reaches the starting balance.
Minimum trading days
Not recorded in the verified rules.
Consistency rule
Yes, a 30% best-day rule. One phase: 5% target in at most 5 trading days, at least 3, and no day above 30% of the profit.
News trading
Allowed. One, Two and Three Phase, Lightning and Instant Funding Standard allow trading through news (improper risk management around news can still be flagged). Instant Funding Lite is the exception, see its override. source

Program notes. One phase: 5% target in at most 5 trading days, at least 3, and no day above 30% of the profit. Daily loss is 3% below the balance recorded at 5 PM EST the day before. The 4% max trails your closed balance and locks at the starting balance once 4% up, or on a payout. A stop loss is required.

FXIFY Instant Funding Standard

Verified September 15, 2026 · source

FXIFY Instant Funding Standard: no profit target, an 8% daily loss limit that resets at 17:00 New York time (ET), and an 8% intraday trailing maximum loss that stops trailing once it reaches the starting balance.

FXIFY Instant Funding Standard limits
PhaseProfit targetDaily loss limitMaximum lossMaximum loss type
RulesNone8%8%Intraday trailing
Daily reset
The daily loss limit resets at 17:00 New York time (ET).
Daily loss calculation
The limit is 8% of the starting account size.
Maximum loss
The maximum loss is 8%, trailing: it follows the peak and it is recalculated on every tick. It sits a fixed distance behind the peak. It stops trailing once it reaches the starting balance.
Minimum trading days
Funded from day one, no target, no minimum days, no consistency rule.
Consistency rule
No consistency rule.
News trading
Allowed. One, Two and Three Phase, Lightning and Instant Funding Standard allow trading through news (improper risk management around news can still be flagged). Instant Funding Lite is the exception, see its override. source

Program notes. Funded from day one, no target, no minimum days, no consistency rule. Daily loss is 8% below the balance recorded at 5 PM EST the day before. The 8% max trails your closed balance and locks at the starting balance once 8% up, or on a payout. Payouts every 14 days.

FXIFY Instant Funding Lite

Verified September 15, 2026 · source

FXIFY Instant Funding Lite: no profit target, a 3% daily loss limit that resets at 17:00 New York time (ET), and a 4% intraday trailing maximum loss that stops trailing once it reaches the starting balance.

FXIFY Instant Funding Lite limits
PhaseProfit targetDaily loss limitMaximum lossMaximum loss type
RulesNone3%4%Intraday trailing
Daily reset
The daily loss limit resets at 17:00 New York time (ET).
Daily loss calculation
The limit is 3% of the starting account size.
Maximum loss
The maximum loss is 4%, trailing: it follows the peak and it is recalculated on every tick. It sits a fixed distance behind the peak. It stops trailing once it reaches the starting balance.
Minimum trading days
At least 5 trading days and no day above 20% of the profit before a payout.
Consistency rule
Yes, a 20% best-day rule. At least 5 trading days and no day above 20% of the profit before a payout.
News trading
Restricted: no opening or closing trades within 5 minutes of high-impact releases. Profit made inside the window is deducted. Instant Funding Lite: trades opened or closed within 5 minutes of a high-impact release are invalidated. source

Program notes. Funded from day one, no target. At least 5 trading days and no day above 20% of the profit before a payout. Daily loss is 3% below the balance recorded at 5 PM EST the day before. The 4% max trails your closed balance and locks at the starting balance once 4% up, or on a payout. No trades within 5 minutes of high-impact news. Payouts every 14 days.

What FXIFY says

These sentences are copied from FXIFY’s own pages and stored next to the numbers above. Each links to the page it came from.

Maximum loss type · FXIFY One Phase
“Trailing drawdown - 6% trails your closed trading balance until you reach 6% profits in your account.”

Source: fxify.com/programs/one-phase

Daily loss limit · FXIFY One Phase
“This is calculated based on the balance recorded at the end of the previous day ( 5PM EST time).”

Source: fxify.com/programs/one-phase

Maximum loss type · FXIFY Two Phase Classic and FXIFY Two Phase Pro
“Drawdown Type Static”

Source: fxify.com/programs/two-phase

Daily loss limit · FXIFY Two Phase Classic, FXIFY Two Phase Standard and FXIFY Two Phase Pro
“This is calculated based on the balance recorded at the end of the previous day ( 5PM EST time).”

Source: fxify.com/programs/two-phase

Maximum loss type · FXIFY Two Phase Standard
“Trailing drawdown - 10% trails your closed trading balance until you reach 10% profits in your account.”

Source: fxify.com/programs/two-phase

Maximum loss type · FXIFY Three Phase
“Drawdown Type Static”

Source: fxify.com/programs/three-phase-challenge

Daily loss limit · FXIFY Three Phase
“This is calculated based on the balance recorded at the end of the previous day ( 5PM EST time).”

Source: fxify.com/programs/three-phase-challenge

Maximum loss type · FXIFY Lightning
“Trailing drawdown - 4% trails your closed trading balance until you reach 4% profits in your account.”

Source: fxify.com/programs/lightning-challenge

Daily loss limit · FXIFY Lightning
“This is calculated based on the balance recorded at the end of the previous day ( 5PM EST time).”

Source: fxify.com/programs/lightning-challenge

Maximum loss type · FXIFY Instant Funding Standard
“Trailing drawdown - 8% trails your closed trading balance until you reach 8% profits in your account.”

Source: fxify.com/programs/instant-funding

Daily loss limit · FXIFY Instant Funding Standard and FXIFY Instant Funding Lite
“This is calculated based on the balance recorded at the end of the previous day ( 5PM EST time).”

Source: fxify.com/programs/instant-funding

Maximum loss type · FXIFY Instant Funding Lite
“Trailing drawdown - 4% trails your closed trading balance until you reach 4% profits in your account.”

Source: fxify.com/programs/instant-funding

FXIFY rules, questions answered

Does FXIFY have a trailing drawdown?

FXIFY One Phase, FXIFY Two Phase Standard, FXIFY Lightning, FXIFY Instant Funding Standard and FXIFY Instant Funding Lite: Yes. The maximum loss trails the peak. It is recalculated on every tick. It sits a fixed distance behind the peak. It stops trailing once it reaches the starting balance. FXIFY Two Phase Classic, FXIFY Two Phase Pro and FXIFY Three Phase: No. The maximum loss is static: a fixed floor below the starting balance that never moves.

When does the daily loss limit reset at FXIFY?

All FXIFY programs: The daily loss limit resets at 17:00 New York time (ET).

How is the daily loss limit calculated at FXIFY?

FXIFY One Phase, FXIFY Lightning and FXIFY Instant Funding Lite: The limit is 3% of the starting account size. FXIFY states: "This is calculated based on the balance recorded at the end of the previous day ( 5PM EST time)." FXIFY Two Phase Classic, FXIFY Two Phase Standard and FXIFY Two Phase Pro: The limit is 4% of the starting account size. FXIFY states: "This is calculated based on the balance recorded at the end of the previous day ( 5PM EST time)." FXIFY Three Phase: The limit is 5% of the starting account size. FXIFY states: "This is calculated based on the balance recorded at the end of the previous day ( 5PM EST time)." FXIFY Instant Funding Standard: The limit is 8% of the starting account size. FXIFY states: "This is calculated based on the balance recorded at the end of the previous day ( 5PM EST time)."

Does FXIFY have a consistency rule?

FXIFY One Phase, FXIFY Two Phase Classic, FXIFY Two Phase Standard, FXIFY Two Phase Pro, FXIFY Three Phase and FXIFY Instant Funding Standard: No consistency rule. FXIFY Lightning: Yes, a 30% best-day rule. One phase: 5% target in at most 5 trading days, at least 3, and no day above 30% of the profit. FXIFY Instant Funding Lite: Yes, a 20% best-day rule. At least 5 trading days and no day above 20% of the profit before a payout.

What is the minimum number of trading days at FXIFY?

FXIFY One Phase: The program notes state: 10% target, at least 5 trading days. FXIFY Two Phase Classic: The program notes state: At least 4 trading days. FXIFY Two Phase Standard: The program notes state: 10% then 5%, at least 5 trading days. FXIFY Two Phase Pro: The program notes state: 4% then 8%, at least 3 trading days. FXIFY Three Phase: The program notes state: 5% in each of three phases, at least 5 trading days. FXIFY Lightning: The verified rules do not record a minimum number of trading days. FXIFY Instant Funding Standard: The program notes state: Funded from day one, no target, no minimum days, no consistency rule. FXIFY Instant Funding Lite: The program notes state: At least 5 trading days and no day above 20% of the profit before a payout.

Can I trade news at FXIFY?

FXIFY One Phase, FXIFY Two Phase Classic, FXIFY Two Phase Standard, FXIFY Two Phase Pro, FXIFY Three Phase, FXIFY Lightning and FXIFY Instant Funding Standard: Allowed. One, Two and Three Phase, Lightning and Instant Funding Standard allow trading through news (improper risk management around news can still be flagged). Instant Funding Lite is the exception, see its override. FXIFY Instant Funding Lite: Restricted: no opening or closing trades within 5 minutes of high-impact releases. Profit made inside the window is deducted. Instant Funding Lite: trades opened or closed within 5 minutes of a high-impact release are invalidated.

Tracking FXIFY rules automatically

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Rules change and firms run promotions. Everything on this page is re-checked weekly and dated, but the account you are trading is the final word: confirm the live numbers in your FXIFY dashboard before you rely on them.