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Editorial verdict
FundingPips vs FXIFY (2026): Top Split vs Speed and Ceiling
A side-by-side breakdown of FundingPips 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 scoreboardFXIFY leads 3–2 · 8 tied
FundingPips · 28 tied3 · FXIFY
Profit split
100%
90%
Editorial score
8.7
8.1
Max allocation
$2M
$4M
Our verdict
Editorial verdict · Updated May 2026
Both are strong 2022 CFD firms on static drawdown, and the trade-off is clean. FundingPips leads on the take — a 100% scaling ceiling — and adds cTrader and DXTrade. FXIFY leads on the mechanics: on-demand payouts (versus bi-weekly), a $4M ceiling (double FundingPips’ $2M), and zero minimum trading days against FundingPips’ five. If you’re chasing the highest split and trade cTrader, FundingPips. If you want faster cash, a bigger ceiling, and no minimum-days rule, FXIFY — provided you’re outside its restricted countries.
- Profit SplitFundingPips
- Payout SpeedFXIFY
- Max AllocationFXIFY
- Minimum Trading DaysFXIFY
- Platform CoverageFundingPips
- Country AccessFundingPips
Side-by-side: FundingPips vs FXIFY
Winning value on each row is marked. Ties are flagged. Empty cells mean we don't have that data point yet.
Spec
FundingPips
FXIFY
Score
8.7 / 10
8.1 / 10
Profit Split
100%
90%
Payout Frequency
Bi Weekly
On Demand
Drawdown Type
Static
Statictie
Max Allocation
$2M
$4M
Min Trading Days
5
0
Founded
2022
2022
Platforms
MT5 · cTrader · DXTrade
MT4 · MT5
Assets
Forex · Indices · Commodities · Crypto
Forex · Indices · Commodities · Cryptotie
Payout Methods
Bank wire · Rise · 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 FundingPips if…
Pick FundingPips if you want the highest split (100% under the scaling plan), trade on cTrader or DXTrade, or live in a region FXIFY restricts. You accept a bi-weekly payout cycle and a 5-day minimum trading requirement in exchange for the top take and broader platforms.
Pick FXIFY if…
Pick FXIFY if you want on-demand payouts, a $4M ceiling, and no minimum-trading-day rule, and you’re outside its restricted countries. You trade 10 points of split ceiling for faster cash, double the allocation, and more flexibility on how fast you can withdraw.
Frequently asked questions
Does FundingPips really pay 100%?
The 100% figure is the scaling-plan ceiling, not the starting rate. Most funded traders begin at 80–90% and unlock the top tier by hitting consecutive payout milestones. FXIFY’s 90% is its standard funded rate.
Which gets me paid faster?
FXIFY. It supports on-demand payouts from day one of funding, while FundingPips runs a bi-weekly cycle and requires 5 minimum trading days before a first payout. For fast capital recycling, FXIFY wins.
Can US traders use either firm?
FXIFY explicitly restricts US residents; FundingPips does not accept US clients either. US traders should look at futures firms such as Topstep or My Funded Futures.
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