FXIFY vs The Funded Trader: Which Prop Firm Wins in 2026?
Side-by-side breakdown of rules, fees, payouts and who should pick which.
Quick Verdict
The Funded Trader wins on value — lower entry fee ($39 vs $79) with equal or larger max account size. FXIFY may still win on payout reliability and trader reputation if those matter more to you.
Head-to-Head Comparison
| Metric | FXIFY | The Funded Trader |
|---|---|---|
| Founded | 2023 | 2022 |
| HQ | London, UK | Delaware, USA |
| Market | Forex/CFD | Forex/CFD |
| Minimum fee | $79 | $39 |
| Account size range | $10,000 – $400,000 | $5,000 – $400,000 |
| Profit split | 80% (up to 90%) | 80% (up to 90%) |
| Payouts | Bi-weekly (on-demand after 2 payouts) | Bi-weekly |
| Challenge model | 1-step, 2-step, or 3-step (trader picks) | Standard 2-step, Rapid 1-step, Royal, Knight (3-step) |
| Platforms | MT4, MT5, cTrader, DXtrade | MT4, MT5, DXtrade, Match-Trader |
FXIFY Pros
- Choice of 1/2/3-step models — pick your own difficulty vs reward curve
- Up to $400K account size — largest in the industry
- Add-ons (no time limit, 90% split, 125% refund) let you customise risk
- UK-regulated parent makes payouts legally enforceable
The Funded Trader Pros
- 4 challenge variants to match trading style
- Low entry fee ($39) for $5K account — cheapest way to test
- No consistency rule on most programs
- Community-driven with active Discord support
Who Should Pick Which?
Pick FXIFY if: Traders who want to customise challenge parameters rather than accept fixed rules.
Pick The Funded Trader if: Traders wanting a cheap entry point or multiple challenge formats to test.
Test Both Against Your Strategy — Before You Pay
Run your backtest through JPTradingCapital's Prop Firm Checker — we evaluate your trades against FXIFY's and The Funded Trader's exact rulesets and tell you which one your strategy would actually pass.