These 7 firms have 9 products captured within 30 days whose structured phase count is 0. That means the product skips an evaluation target; it does not prove that the account uses live firm capital. Every card names each qualifying path and links its distinct first-party sources before comparing the loss line, total known cost, starting split, and payout gate.
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Editorial score sets the order; every card names every phase-0 product and links each distinct rule source. Partnership, coupon size, product count, price, split, drawdown and payout speed add 0 points.
Stellar Instant. Captured drawdown: trailing; published split: 70%; on-demand eligibility.
FundingPips Zero. Captured drawdown: trailing; published split: 95%; 14-day first-payout gate.
Lightning Funded. Captured drawdown: EOD trailing; published split: 90%; on-demand eligibility.
LucidDirect. Captured drawdown: EOD trailing; published split: 90%; first-payout gate unverified.
Instant Funding Standard and Instant Funding Lite. Captured drawdown: trailing; published splits: unverified; 10-day first-payout gate and 14-day first-payout gate.
Alpha Direct. Captured drawdown: trailing; published split: 90%; first-payout gate unverified.
Instant and Mini. Captured drawdown: trailing; published splits: 70–80%; 1-day first-payout gate and first-payout gate unverified.
Four account-stage, loss-line, cost and payout checks before paying.
No. Phase 0 proves only that the structured product has no evaluation target. Treat funded, simulated-funded, and live-capital execution as separate account-stage claims, then verify the agreement for the selected product.
Static, balance-based, real-time trailing, and end-of-day trailing rules create different risk. Model the initial floor, what raises it, whether it locks, and whether a payout resets it before comparing headline account sizes.
Use minimum known cost and starting profit split to calculate gross break-even, then divide by the product’s verified maximum loss. A low checkout price can still consume a large share of the available loss room.
A phase-0 purchase can still require profitable days, a consistency score, a safety cushion, minimum growth, or a waiting period. Verify every payout gate and whether the purchase fee is refundable before checkout.
Filter all current products first, then test the fee, loss line and payout gates against the strategy.