Compare 14 current products across 8 first-party source pages — funded cost, split, drawdown and payout rules without flattening one product into a firm-wide answer.
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Built from product captures checked Oct 20, 2026
Pick Apex Trader Funding if…
Pick FXIFY if…
| Fact | Apex Trader Funding | FXIFY |
|---|---|---|
| Our score | 8.4/10 | 8.1/10 |
| Lowest $100K fee | $590 (Intraday Trail - No Activation Fee) | $399 (Three Phase) |
| Base split | 100% | 80% |
| Max loss | — | 4–10% |
| Earliest first payout | Day 5 (Intraday Trail - Standard) | Day 7 (Lightning Challenge) |
| Platforms | Rithmic · Tradovate · WealthCharts | MT4 · MT5 · DXTrade · TradingView |
Available product sources · earliest check Oct 20, 2026
We track 4 Apex Trader Funding products and 10 from FXIFY that pass the 30-day source-freshness gate; source checks range from 2026-10-20 to 2026-10-22. FXIFY is cheaper to funded at 4 of the 4 directly comparable tiers. At $25K, the cheapest verified route is Three Phase at $149 (One-time fee), which needs $186 of profit at a 80% split before the fee is back in your pocket.
Compare the 14 source-checked products available here, each with its own fees, split, drawdown and date.
We track 4 Apex Trader Funding products and 10 from FXIFY that pass the 30-day source-freshness gate; source checks range from 2026-10-20 to 2026-10-22.
FXIFY is cheaper to funded at 4 of the 4 directly comparable tiers. At $25K, the cheapest verified route is Three Phase at $149 (One-time fee), which needs $186 of profit at a 80% split before the fee is back in your pocket.
FXIFY's own products disagree on 16 terms. On evaluation steps it is 1-step on One Phase and Lightning Challenge and Crypto Standard (1 Step), versus 2-step on Two Phase Classic and Two Phase Standard and Two Phase Pro, versus instant funding on Instant Funding Standard and Instant Funding Lite and Crypto Instant Funding, versus 3-step on Three Phase. Which product you buy decides that rule, not which firm you sign with — a firm-level table cannot show this.
Not in the cost tables: Apex Trader Funding EOD Trail - Standard and Intraday Trail - Standard. The latest capture records no complete entry price for them, so they are not ranked on cost.
FXIFY is cheaper within the shared USD one-time class: Three Phase at $149 — $541 less than Apex Trader Funding's cheapest route at this tier (Intraday Trail - No Activation Fee, $690) — 78% cheaper.
| Product | Cost to funded | Break-even profit | R-multiple | Days @ 1%/day |
|---|---|---|---|---|
| Three PhaseFXIFY · One-time · 80% split | $149One-time fee | $186at 80% split | 0.15vs 5% max DD | 1 |
| One PhaseFXIFY · One-time · 80% split | $199One-time fee | $249at 80% split | 0.17vs 6% trailing max DD | 1 |
| Two Phase ClassicFXIFY · One-time · 80% split | $199One-time fee | $249at 80% split | 0.10vs 10% max DD | 1 |
| Two Phase StandardFXIFY · One-time · 80% split | $199One-time fee | $249at 80% split | 0.10vs 10% trailing max DD | 1 |
| Two Phase ProFXIFY · One-time · 80% split | $225One-time fee | $281at 80% split | 0.14vs 8% max DD | 2 |
| Crypto Standard (1 Step)FXIFY · One-time · 80% split | $249One-time fee | $311at 80% split | 0.21vs 6% trailing max DD | 2 |
| Crypto Instant FundingFXIFY · One-time · 80% split | $525One-time fee | $656at 80% split | 0.44vs 6% trailing max DD | 3 |
| Intraday Trail - No Activation FeeApex Trader Funding · One-time · 100% split | $690Fee + tier activation | $690at 100% split | 0.69vs $1,000 tier max loss | — |
| EOD Trail - No Activation FeeApex Trader Funding · One-time · 100% split | $1,090Fee + tier activation | $1,090at 100% split | 1.09vs $1,000 tier max loss | 5 |
R-multiple is break-even profit divided by that product's own maximum permitted loss — under 1.00 means you can lose more than you need to make to win the fee back. Day count assumes 1% account growth per day, capped by the product's own daily loss limit. Blank cells are figures the firm does not publish.
FXIFY is cheaper within the shared USD one-time class: Three Phase at $249 — $241 less than Apex Trader Funding's cheapest route at this tier (Intraday Trail - No Activation Fee, $490) — 49% cheaper.
| Product | Cost to funded | Break-even profit | R-multiple | Days @ 1%/day |
|---|---|---|---|---|
| Three PhaseFXIFY · One-time · 80% split | $249One-time fee | $311at 80% split | 0.12vs 5% max DD | 1 |
| Two Phase ProFXIFY · One-time · 80% split | $375One-time fee | $469at 80% split | 0.12vs 8% max DD | 1 |
| One PhaseFXIFY · One-time · 80% split | $379One-time fee | $474at 80% split | 0.16vs 6% trailing max DD | 1 |
| Two Phase ClassicFXIFY · One-time · 80% split | $379One-time fee | $474at 80% split | 0.09vs 10% max DD | 1 |
| Two Phase StandardFXIFY · One-time · 80% split | $379One-time fee | $474at 80% split | 0.09vs 10% trailing max DD | 1 |
| Intraday Trail - No Activation FeeApex Trader Funding · One-time · 100% split | $490Fee + tier activation | $490at 100% split | 0.24vs $2,000 tier max loss | — |
| Crypto Standard (1 Step)FXIFY · One-time · 80% split | $499One-time fee | $624at 80% split | 0.21vs 6% trailing max DD | 2 |
| Crypto Instant FundingFXIFY · One-time · 80% split | $999One-time fee | $1,249at 80% split | 0.42vs 6% trailing max DD | 3 |
| EOD Trail - No Activation FeeApex Trader Funding · One-time · 100% split | $1,190Fee + tier activation | $1,190at 100% split | 0.59vs $2,000 tier max loss | 3 |
R-multiple is break-even profit divided by that product's own maximum permitted loss — under 1.00 means you can lose more than you need to make to win the fee back. Day count assumes 1% account growth per day, capped by the product's own daily loss limit. Blank cells are figures the firm does not publish.
FXIFY is cheaper within the shared USD one-time class: Three Phase at $399 — $191 less than Apex Trader Funding's cheapest route at this tier (Intraday Trail - No Activation Fee, $590) — 32% cheaper.
| Product | Cost to funded | Break-even profit | R-multiple | Days @ 1%/day |
|---|---|---|---|---|
| Three PhaseFXIFY · One-time · 80% split | $399One-time fee | $499at 80% split | 0.10vs 5% max DD | 1 |
| One PhaseFXIFY · One-time · 80% split | $549One-time fee | $686at 80% split | 0.11vs 6% trailing max DD | 1 |
| Two Phase ClassicFXIFY · One-time · 80% split | $549One-time fee | $686at 80% split | 0.07vs 10% max DD | 1 |
| Two Phase StandardFXIFY · One-time · 80% split | $549One-time fee | $686at 80% split | 0.07vs 10% trailing max DD | 1 |
| Intraday Trail - No Activation FeeApex Trader Funding · One-time · 100% split | $590Fee + tier activation | $590at 100% split | 0.20vs $3,000 tier max loss | — |
| Two Phase ProFXIFY · One-time · 80% split | $599One-time fee | $749at 80% split | 0.09vs 8% max DD | 1 |
| Crypto Standard (1 Step)FXIFY · One-time · 80% split | $999One-time fee | $1,249at 80% split | 0.21vs 6% trailing max DD | 2 |
| EOD Trail - No Activation FeeApex Trader Funding · One-time · 100% split | $1,590Fee + tier activation | $1,590at 100% split | 0.53vs $3,000 tier max loss | 2 |
| Crypto Instant FundingFXIFY · One-time · 80% split | $1,999One-time fee | $2,499at 80% split | 0.42vs 6% trailing max DD | 3 |
R-multiple is break-even profit divided by that product's own maximum permitted loss — under 1.00 means you can lose more than you need to make to win the fee back. Day count assumes 1% account growth per day, capped by the product's own daily loss limit. Blank cells are figures the firm does not publish.
FXIFY is cheaper within the shared USD one-time class: Two Phase Pro at $849 — $1,041 less than Apex Trader Funding's cheapest route at this tier (Intraday Trail - No Activation Fee, $1,890) — 55% cheaper.
| Product | Cost to funded | Break-even profit | R-multiple | Days @ 1%/day |
|---|---|---|---|---|
| Two Phase ProFXIFY · One-time · 80% split | $849One-time fee | $1,061at 80% split | 0.09vs 8% max DD | 1 |
| Intraday Trail - No Activation FeeApex Trader Funding · One-time · 100% split | $1,890Fee + tier activation | $1,890at 100% split | 0.47vs $4,000 tier max loss | — |
| EOD Trail - No Activation FeeApex Trader Funding · One-time · 100% split | $2,490Fee + tier activation | $2,490at 100% split | 0.62vs $4,000 tier max loss | 2 |
R-multiple is break-even profit divided by that product's own maximum permitted loss — under 1.00 means you can lose more than you need to make to win the fee back. Day count assumes 1% account growth per day, capped by the product's own daily loss limit. Blank cells are figures the firm does not publish.
Each cell shows every value that firm's current products hold. Where a firm disagrees with itself the products are named — those are the rows a firm-level table has to flatten, and the ones that decide whether your strategy is allowed. 16 of 16 rows split this way in this matchup.
| Term | Apex Trader Funding | FXIFY |
|---|---|---|
| Evaluation steps | 1-step | 1-stepOne Phase, Lightning Challenge, Crypto Standard (1 Step) 2-stepTwo Phase Classic, Two Phase Standard, Two Phase Pro Instant fundingInstant Funding Standard, Instant Funding Lite, Crypto Instant Funding 3-stepThree Phase |
| Profit split | 100% | 80%One Phase, Two Phase Classic, Two Phase Standard, Two Phase Pro, Three Phase, Crypto Standard (1 Step), Crypto Instant Funding Not publishedInstant Funding Standard, Instant Funding Lite, Lightning Challenge |
| Drawdown method | EOD trailingEOD Trail - Standard, EOD Trail - No Activation Fee TrailingIntraday Trail - Standard, Intraday Trail - No Activation Fee | TrailingOne Phase, Two Phase Standard, Instant Funding Standard, Instant Funding Lite, Lightning Challenge, Crypto Standard (1 Step), Crypto Instant Funding StaticTwo Phase Classic, Two Phase Pro, Three Phase |
| Daily loss cap | Fixed $ per tierEOD Trail - Standard, EOD Trail - No Activation Fee Not publishedIntraday Trail - Standard, Intraday Trail - No Activation Fee | 3%One Phase, Instant Funding Lite, Lightning Challenge, Crypto Standard (1 Step), Crypto Instant Funding 4%Two Phase Classic, Two Phase Standard, Two Phase Pro 5%Three Phase 8%Instant Funding Standard |
| Max loss cap | Fixed $ per tier | 6%One Phase, Crypto Standard (1 Step), Crypto Instant Funding 10%Two Phase Classic, Two Phase Standard 4%Instant Funding Lite, Lightning Challenge 8%Two Phase Pro, Instant Funding Standard 5%Three Phase |
| Funded drawdown | EOD trailingEOD Trail - Standard, EOD Trail - No Activation Fee TrailingIntraday Trail - Standard, Intraday Trail - No Activation Fee | TrailingOne Phase, Two Phase Standard, Instant Funding Standard, Instant Funding Lite, Lightning Challenge, Crypto Standard (1 Step), Crypto Instant Funding StaticTwo Phase Classic, Two Phase Pro, Three Phase |
| Min trading days | 0 | 5One Phase, Three Phase, Instant Funding Lite UnverifiedTwo Phase Classic, Two Phase Standard, Instant Funding Standard 3Two Phase Pro, Lightning Challenge 4Crypto Standard (1 Step) 7Crypto Instant Funding |
| Max trading days | Unverified | UnverifiedOne Phase, Two Phase Classic, Two Phase Standard, Two Phase Pro, Three Phase, Instant Funding Standard, Instant Funding Lite, Crypto Standard (1 Step), Crypto Instant Funding 5Lightning Challenge |
| Consistency rule | Unverified | UnverifiedOne Phase, Two Phase Standard, Two Phase Pro, Three Phase, Instant Funding Standard, Crypto Standard (1 Step) 25%Two Phase Classic, Crypto Instant Funding 20%Instant Funding Lite 30%Lightning Challenge |
| First payout after | 5 days | Not publishedOne Phase, Two Phase Classic, Two Phase Standard, Three Phase, Crypto Standard (1 Step), Crypto Instant Funding 10 calendar daysTwo Phase Pro, Instant Funding Lite 14 daysInstant Funding Standard 7 daysLightning Challenge |
| Payout frequency | Weekly | Bi-weeklyInstant Funding Standard, Lightning Challenge, Crypto Standard (1 Step), Crypto Instant Funding MonthlyOne Phase, Two Phase Classic, Two Phase Standard, Three Phase Not publishedTwo Phase Pro, Instant Funding Lite |
| News trading | Conditional | AllowedOne Phase, Two Phase Classic, Two Phase Standard, Two Phase Pro, Three Phase ConditionalInstant Funding Standard, Instant Funding Lite, Lightning Challenge, Crypto Standard (1 Step), Crypto Instant Funding |
| Weekend holding | Not allowed | AllowedOne Phase, Two Phase Classic, Two Phase Standard, Two Phase Pro, Three Phase, Lightning Challenge, Crypto Standard (1 Step), Crypto Instant Funding Not allowedInstant Funding Standard, Instant Funding Lite |
| Overnight holding | Not allowed | AllowedOne Phase, Two Phase Classic, Two Phase Standard, Two Phase Pro, Three Phase, Lightning Challenge Not publishedInstant Funding Standard, Instant Funding Lite, Crypto Standard (1 Step), Crypto Instant Funding |
| EAs / algos | Not allowed | ConditionalOne Phase, Two Phase Classic, Two Phase Standard, Two Phase Pro, Three Phase Not allowedInstant Funding Standard, Instant Funding Lite, Lightning Challenge, Crypto Standard (1 Step), Crypto Instant Funding |
| Copy trading | Conditional | Not allowedTwo Phase Pro, Instant Funding Standard, Instant Funding Lite, Lightning Challenge, Crypto Standard (1 Step), Crypto Instant Funding ConditionalOne Phase, Two Phase Classic, Two Phase Standard, Three Phase |
Apex moved new purchases to 4 one-time evaluation paths
Older Apex reviews can describe a different billing and drawdown structure. Match the exact product shown at checkout, verify the dynamic fee, and note that the current evaluation may pass in one day without a minimum-day rule.
FXIFY checkout ladders verified; program-page cards still need a presentation fix
The structured comparison uses list-price ladders that matched FXIFY's first-party price data again on 2026-10-20: 54 tiers across these 8 FXIFY products, including five Instant Funding Lite tiers at $19/$44/$89/$169/$289. Coupons, add-ons, country eligibility, and the final checkout total are not included in list prices; re-check the routed checkout before paying.
Every figure above is read from these pages. Products older than 30 days are removed from the comparison until they are recaptured, so a missing product means stale data, not a discontinued plan.
These directory fields describe the firms, not a universal product rule. The sourced product tables above decide the exact fee, split, drawdown and trading conditions. Directory context is not independently refreshed by this comparison; verify platform and payment availability for the exact programme and country.
Scored out of 5 by Trustpilot users, not by us. Where Trustpilot has pulled a firm's aggregate rating we say so rather than leaving a blank.
These links are selected by asset and platform overlap, then limited to matchups where both sides have current first-party product evidence.
8 current products · 2 first-party source pages · checked Oct 22, 2026
Open comparison7 current products · 2 first-party source pages · checked Oct 22, 2026
Open comparison13 current products · 10 first-party source pages · checked Oct 20, 2026
Open comparison14 current products · 11 first-party source pages · checked Oct 20, 2026
Open comparisonBrowse pairs with current product sources, or open the full firm directory. Missing comparison evidence does not mean a firm has closed.
