Compare 12 current products across 8 first-party source pages — funded cost, split, drawdown and payout rules without flattening one product into a firm-wide answer.
Disclosure: We may earn a commission if you sign up via eligible links on this page, at no cost to you. Our reviews are independent and not influenced by partners. Learn more.
Available product sources · earliest check Oct 6, 2026
We track 10 FXIFY products and 2 from Topstep that pass the 30-day source-freshness gate; source checks range from 2026-10-06 to 2026-10-14. FXIFY offers USD one-time; Topstep offers USD monthly at this tier. No currency-and-billing class appears on both sides, so we neither convert currencies nor rank a recurring floor against a fixed total.
Compare the 12 source-checked products available here, each with its own fees, split, drawdown and date.
We track 10 FXIFY products and 2 from Topstep that pass the 30-day source-freshness gate; source checks range from 2026-10-06 to 2026-10-14.
FXIFY offers USD one-time; Topstep offers USD monthly at this tier. No currency-and-billing class appears on both sides, so we neither convert currencies nor rank a recurring floor against a fixed total.
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.
FXIFY offers USD one-time; Topstep offers USD monthly at this tier. No currency-and-billing class appears on both sides, so we neither convert currencies nor rank a recurring floor against a fixed total.
| Product | Cost to funded | Break-even profit | R-multiple | Days @ 1%/day |
|---|---|---|---|---|
| Trading Combine - No Activation Fee PathTopstep · Monthly · 90% split | $951 month, no activation fee | $106at 90% split | 0.05vs $2,000 tier max loss | — |
| Trading Combine - Standard PathTopstep · Monthly · 90% split | $1981 month + $149 activation | $220at 90% split | 0.11vs $2,000 tier max loss | — |
| 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 |
| 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 |
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 offers USD one-time; Topstep offers USD monthly at this tier. No currency-and-billing class appears on both sides, so we neither convert currencies nor rank a recurring floor against a fixed total.
| Product | Cost to funded | Break-even profit | R-multiple | Days @ 1%/day |
|---|---|---|---|---|
| Trading Combine - No Activation Fee PathTopstep · Monthly · 90% split | $1491 month, no activation fee | $166at 90% split | 0.06vs $3,000 tier max loss | — |
| Trading Combine - Standard PathTopstep · Monthly · 90% split | $2481 month + $149 activation | $276at 90% split | 0.09vs $3,000 tier max loss | — |
| 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 |
| 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 |
| 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 offers USD one-time; Topstep offers USD monthly at this tier. No currency-and-billing class appears on both sides, so we neither convert currencies nor rank a recurring floor against a fixed total.
| Product | Cost to funded | Break-even profit | R-multiple | Days @ 1%/day |
|---|---|---|---|---|
| Trading Combine - No Activation Fee PathTopstep · Monthly · 90% split | $2291 month, no activation fee | $254at 90% split | 0.06vs $4,500 tier max loss | — |
| Trading Combine - Standard PathTopstep · Monthly · 90% split | $3481 month + $149 activation | $387at 90% split | 0.09vs $4,500 tier max loss | — |
| Two Phase ProFXIFY · One-time · 80% split | $849One-time fee | $1,061at 80% split | 0.09vs 8% max DD | 1 |
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 | FXIFY | Topstep |
|---|---|---|
| Evaluation steps | 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 | 1-step |
| Profit split | 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 | 90% |
| Drawdown method | 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 | EOD trailing |
| Daily loss cap | 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 | Not published |
| Max loss cap | 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 | Fixed $ per tier |
| Funded drawdown | 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 | EOD trailing |
| Min trading days | 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 | Unverified |
| Max trading days | 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 | Unverified |
| Consistency rule | 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 | 55% |
| First payout after | Not publishedOne Phase, Two Phase Classic, Two Phase Standard, Three Phase, Crypto Standard (1 Step), Crypto Instant Funding 10 daysTwo Phase Pro, Instant Funding Lite 14 daysInstant Funding Standard 7 daysLightning Challenge | Not published |
| Payout frequency | 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 | On demand |
| News trading | AllowedOne Phase, Two Phase Classic, Two Phase Standard, Two Phase Pro, Three Phase Not allowedInstant Funding Standard, Instant Funding Lite, Lightning Challenge ConditionalCrypto Standard (1 Step), Crypto Instant Funding | Conditional |
| Weekend holding | 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 | Not allowed |
| Overnight holding | 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 | Not allowed |
| EAs / algos | AllowedOne 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 | Conditional |
| Copy trading | 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 | Conditional |
Topstep now publishes a 55% Combine consistency target
Use 55% for the Combine objective. The separate XFA Consistency payout route remains 40% with three trading days. October 6 is our observation date, not an established effective date; minimum-day descriptions still conflict.
Correction: Topstep payout eligibility is not a three-calendar-day transfer
TFH removed the single calendar-day payout figure, corrected the No Activation Fee path's blanket automation permissions and added the published dollar loss limits per tier. Fee-recovery tables now use those tier limits. These are corrections to our representation, not a proven September change to all Topstep terms. Eligibility still depends on personal circumstances.
Topstep still gives different minimum-day descriptions
Check the applicable Combine consistency requirement and obtain clarification before planning a one-day pass. The six monthly prices were separately verified; this unresolved rule does not establish a price change or a new account restriction.
FXIFY checkout ladders verified; program-page cards still need a presentation fix
The structured comparison now uses the current read-only checkout ladder: 54 tiers across 8 FXIFY products, including five Instant Funding Lite tiers at $19/$44/$85/$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.
14 current products · 11 first-party source pages · checked Oct 14, 2026
Open comparison20 current products · 13 first-party source pages · checked Oct 14, 2026
Open comparison5 current products · 2 first-party source pages · checked Oct 14, 2026
Open comparison6 current products · 2 first-party source pages · checked Oct 14, 2026
Open comparisonBrowse pairs with current product sources, or open the full firm directory. Missing comparison evidence does not mean a firm has closed.
