FundedNext vs FXIFY: which is easier to pass and pay out?
FundedNext and FXIFY compared on their own published rules: profit targets, loss limits, consistency rules and payouts, plus how each account did in our benchmark, where the same made-up trader is replayed against every account. On our 8 measures, FundedNext comes out ahead on 4 and FXIFY on 1, with 3 level.
The verdict, category by category
| FundedNext | FXIFY | Edge | |
|---|---|---|---|
| Easiest challenge to pass pass chance in our benchmark | Stellar 2-Step: 55% | Two Phase (trailing): 40% | FundedNext |
| Best chance of passing and getting paid passed and reached a first payout, in our benchmark | Stellar 2-Step: 47% | Two Phase (trailing): 37% | FundedNext |
| Instant funding funded from day one, no challenge | Stellar Instant: 83% reach a payout | Instant Funding: 83% reach a payout | Level |
| Most room before failing largest maximum loss; static beats trailing | 10% static (Stellar 2-Step) | 10% trailing (Two Phase (trailing)) | FundedNext |
| Highest profit split can't compare: one firm doesn't state it | 80% | Not stated | Level |
| Quickest first payout | 5 days | On demand | FXIFY |
| Accounts with no consistency rule | 3 of 3 | 3 of 3 | Level |
| An account with no daily loss limit | Yes | No | FundedNext |
Which should you choose?
- Choose FundedNext if you want the challenge that is easier to pass on its rules; you want the best chance of passing and then reaching a first payout; your strategy has deep drawdowns and needs room on the maximum loss; you hold through volatile sessions and a daily limit would cut you off.
- Choose FXIFY if you want your first payout as soon as possible.
- Still not sure? The right firm depends on your strategy, not ours. Upload your backtest and see your own pass and payout chance at both.
Test your strategy at FundedNext Test at FXIFY
2-step challenges: FundedNext Stellar 2-Step vs FXIFY Two Phase (trailing)
| FundedNext | FXIFY | |
|---|---|---|
| Account | Stellar 2-Step | Two Phase (trailing) |
| Profit target | 8% / 5% | 10% / 5% |
| Daily loss limit | 5% | 4% of day's balance |
| Maximum loss | 10% static | 10% trailing |
| Minimum days | 5 | 5 |
| Time limit | None | None |
| Consistency rule | None | None |
| First payout | After 21 days, 0.1%+ profit | On demand, 0.1%+ profit |
| Profit split | 80% | Not stated |
| Price | $549.99 for $100K | $549 for $100K |
| Pass chance (benchmark) | 55% | 40% |
| First payout chance (benchmark) | 47% | 37% |
| Best risk per trade | 0.75% | 0.75% |
| Fee spent per first payout, per $100 | $213 | $270 |
| Rules checked | 8 Nov 2026 | 8 Nov 2026 |
1-step challenges: FundedNext Stellar 1-Step vs FXIFY One Phase
| FundedNext | FXIFY | |
|---|---|---|
| Account | Stellar 1-Step | One Phase |
| Profit target | 10% | 10% |
| Daily loss limit | 3% | 3% of day's balance |
| Maximum loss | 6% static | 6% trailing |
| Minimum days | 2 | 5 |
| Time limit | None | None |
| Consistency rule | None | None |
| First payout | After 5 days, 0.1%+ profit | On demand, 0.1%+ profit |
| Profit split | 80% | Not stated |
| Price | $569.99 for $100K | $549 for $100K |
| Pass chance (benchmark) | 54% | 35% |
| First payout chance (benchmark) | 45% | 33% |
| Best risk per trade | 0.75% | 0.5% |
| Fee spent per first payout, per $100 | $222 | $303 |
| Rules checked | 8 Nov 2026 | 8 Nov 2026 |
Instant funding accounts: FundedNext Stellar Instant vs FXIFY Instant Funding
| FundedNext | FXIFY | |
|---|---|---|
| Account | Stellar Instant | Instant Funding |
| Profit target | None | None |
| Daily loss limit | None | 8% of day's balance |
| Maximum loss | 6% trailing, locks at start | 8% trailing |
| Minimum days | None | None |
| Time limit | None | None |
| Consistency rule | None | None |
| First payout | After 14 days, 0.1%+ profit | After 14 days, 0.1%+ profit |
| Profit split | 70% | Not stated |
| Price | $599.99 for $20K | $4,249 for $100K |
| First payout chance (benchmark) | 83% | 83% |
| Best risk per trade | 0.3% | 0.5% |
| Fee spent per first payout, per $100 | $120 | $120 |
| Rules checked | 8 Nov 2026 | 8 Nov 2026 |
Where a firm has more than one account of a type, the one that did best in our benchmark is shown. "Fee spent per first payout" is what every $100 of challenge fee works out at once failed attempts are counted.
Every account at both firms
| Firm | Account | Type | Profit target | Daily loss | Max loss | Consistency | First payout | Split |
|---|---|---|---|---|---|---|---|---|
| F | Stellar 2-Step | 2-step | 8% / 5% | 5% | 10% static | None | After 21 days, 0.1%+ profit | 80% |
| F | Stellar 1-Step | 1-step | 10% | 3% | 6% static | None | After 5 days, 0.1%+ profit | 80% |
| F | Stellar Instant | Instant funding | None | None | 6% trailing, locks at start | None | After 14 days, 0.1%+ profit | 70% |
| F | Two Phase (trailing) | 2-step | 10% / 5% | 4% | 10% trailing | None | On demand, 0.1%+ profit | Not stated |
| F | One Phase | 1-step | 10% | 3% | 6% trailing | None | On demand, 0.1%+ profit | Not stated |
| F | Instant Funding | Instant funding | None | 8% | 8% trailing | None | After 14 days, 0.1%+ profit | Not stated |
About the two firms
FundedNext
FundedNext offers three Stellar accounts. The 2-Step (8% then 5%, 5% daily, 10% fixed maximum loss) is the standard choice, and you pick a payout schedule at checkout: a 21-day cycle at 80%, three profitable days at 60%, or on demand at 90% with a 40% best-day rule. The 1-Step is tighter, with a 3% daily limit and a 6% fixed maximum loss.
Forex & CFDs · United Arab Emirates · cTrader, Match-Trader
Rules to watch: Daily loss includes open P&L and resets at 00:00 server time. Accounts deactivate after 60 days with no trades. Stellar 2-Step payout option is chosen at checkout: 21-day cycle (80%), 3 profitable days (60%) or on-demand (90%, needs 2% profit and 40% best day). Only 40% of profit from trades within 5 minutes of high-impact news counts. Source: fundednext.com/general-rules/cfds/trading-objectives
FXIFY
FXIFY's evaluations measure the daily limit from the previous day's balance and use a trailing maximum loss: 10% on the Two Phase account and 6% on One Phase, with at least 5 trading days. In return, assessment-funded accounts can take a first payout on demand after the first profitable trade, then every 30 days, or 14 with an add-on.
Forex & CFDs
Rules to watch: Daily drawdown based on the previous day's balance. Assessment-funded accounts can take a first payout on demand after the first profitable trade, then every 30 days (14 with add-on). Instant: first payout 14 days after first trade; trailing drawdown locks at start after a payout. One trade every 60 days. Sources: fxify.com/faqs/all-faqs/what-are-the-rules-for-the-assessment-account/ and fxify.com/faqs/all-faqs/how-do-i-withdraw-my-profits/
Questions
Is FundedNext or FXIFY easier to pass?
FundedNext. In our benchmark, the same made-up trader passed FundedNext's Stellar 2-Step 55% of the time and FXIFY's Two Phase (trailing) 40%.
Which is more likely to pay out, FundedNext or FXIFY?
Of their challenges, FundedNext's Stellar 2-Step (47%) gave the better chance of passing and reaching a first payout in our benchmark, against 37% for FXIFY's Two Phase (trailing). FundedNext's Stellar Instant and FXIFY's Instant Funding, an instant account with no challenge, reached a payout 83% and 83% of the time. This ranks the rules, not the firms' payout records.
Which has the better profit split, FundedNext or FXIFY?
FundedNext, with up to 80% against a split not stated.
Which gives more room on drawdown, FundedNext or FXIFY?
FundedNext's most forgiving account allows 10% static (Stellar 2-Step); FXIFY's allows 10% trailing (Two Phase (trailing)). A static limit never moves up behind you, so it is worth more than a trailing one of the same size.
Do FundedNext and FXIFY have consistency rules?
FundedNext: none of its accounts do. FXIFY: none of its accounts do.
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PropPassCheck isn't paid by either firm and has no affiliate links. The benchmark ranks rules, not your trading. Confirm the rules on each firm's site before you buy.