FXIFY vs TopStep: Which Prop Firm Wins in 2026?
Side-by-side breakdown of rules, fees, payouts and who should pick which.
Quick Verdict
FXIFY and TopStep serve different markets — FXIFY for forex/CFD traders, TopStep for futures traders. Pick based on what you actually trade, not which firm looks better on paper.
Head-to-Head Comparison
| Metric | FXIFY | TopStep |
|---|---|---|
| Founded | 2023 | 2012 |
| HQ | London, UK | Chicago, USA |
| Market | Forex/CFD | Futures |
| Minimum fee | $79 | $49 |
| Account size range | $10,000 – $400,000 | $50,000 – $150,000 |
| Profit split | 80% (up to 90%) | 90% (first $10K), then 90% thereafter |
| Payouts | Bi-weekly (on-demand after 2 payouts) | Weekly (after 5 winning days, 30%+ above starting balance) |
| Challenge model | 1-step, 2-step, or 3-step (trader picks) | 1-step Trading Combine |
| Platforms | MT4, MT5, cTrader, DXtrade | TopstepX, NinjaTrader, TradingView, Tradovate |
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
TopStep Pros
- Oldest and most established futures prop firm (2012)
- Highest profit split in futures space (90%)
- 1-step combine — pass once, get funded
- Regulated (SEC/CFTC adjacent), payouts reliably processed
Who Should Pick Which?
Pick FXIFY if: Traders who want to customise challenge parameters rather than accept fixed rules.
Pick TopStep if: Futures day traders who can pass a 1-step combine manually (no algos).
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 TopStep's exact rulesets and tell you which one your strategy would actually pass.