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Editorial verdict
FTMO vs FXIFY (2026): The Safe Default vs the Flexible Challenger
A side-by-side breakdown of FTMO and FXIFY — profit splits, payout speed, drawdown rules, platforms, and a clear verdict on which firm wins for which trader profile.
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Category scoreboardDead heat · 2–2 with 9 tied
FTMO · 29 tied2 · FXIFY
Profit split
90%
90%
Editorial score
9.2
8.1
Max allocation
$2M
$4M
Our verdict
Editorial verdict · Updated May 2026
Both run a 90% split on static drawdown, so the headline number is a tie — the difference is everything around it. FTMO brings a 2015 track record, four platforms (including cTrader and DXTrade), single-stock CFDs, and no country restrictions. FXIFY counters with on-demand payouts, a $4M ceiling (double FTMO’s), and a customizable multi-product lineup — but it blocks the US, Russia, Iran, and North Korea. FTMO is the lower-risk default; FXIFY is the faster, bigger-ceiling pick if you’re outside its restricted regions.
- Profit SplitTie
- Payout SpeedFXIFY
- Max AllocationFXIFY
- Platform CoverageFTMO
- Tradable AssetsFTMO
- Country AccessFTMO
- Track RecordFTMO
Side-by-side: FTMO vs FXIFY
Winning value on each row is marked. Ties are flagged. Empty cells mean we don't have that data point yet.
Spec
FTMO
FXIFY
Score
9.2 / 10
8.1 / 10
Profit Split
90%
90%tie
Payout Frequency
Bi Weekly
On Demand
Drawdown Type
Static
Statictie
Max Allocation
$2M
$4M
Min Trading Days
0
0tie
Founded
2015
2022
Platforms
MT4 · MT5 · cTrader · DXTrade
MT4 · MT5
Assets
Forex · Crypto · Indices · Commodities · Stocks
Forex · Indices · Commodities · Crypto
Payout Methods
Bank wire · Skrill · Crypto
Bank wire · Rise · Cryptotie
EAs Allowed
Yes
Yestie
News Trading
Yes
Yestie
Overnight Holding
Yes
Yestie
Weekend Holding
Yes
Yestie
Copy Trading
No
—
Scaling Plan
Yes
Yestie
Pick FTMO if…
Pick FTMO if you trade cTrader or DXTrade, want single-stock CFDs, are in a region FXIFY restricts, or simply weight a decade-long payout history above a faster cycle. It remains the lowest-friction safe default in CFD prop trading — the firm has never retroactively tightened drawdown on existing funded traders.
Pick FXIFY if…
Pick FXIFY if you want on-demand payouts, a $4M ceiling, and a customizable product lineup (One-Phase, Two-Phase, Lightning, Instant), and you’re outside its restricted countries. It’s the more flexible, faster-paying firm — the trade-offs are a shorter track record and an MT-only platform list.
Frequently asked questions
Do FTMO and FXIFY have the same drawdown rules?
Both use static drawdown on their flagship plans, which is the forgiving variant — your loss floor is fixed and doesn’t trail your equity high. FXIFY’s Lightning product is the exception, using a trailing rule with a 7-day window, so check the specific product you buy.
Can US traders use either firm?
No. FXIFY explicitly restricts US residents, and FTMO does not accept US clients either. US traders should look at futures firms like Topstep or My Funded Futures.
Which is better value at the $100K tier?
They price similarly at $100K, and both refund the fee on first payout. FXIFY frequently runs discounts that undercut FTMO at checkout, so the live promo usually decides it — verify the current price before buying.
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