FXIFY Review 2026: Eight Programs, Payouts via Rise and Refund Gaps

This FXIFY review covers a UK prop firm that sells eight CFD programs, from one-time evaluations to instant funded accounts. CFD means contract for difference, a trade on the price change of a market such as a currency pair, gold or a stock index, without owning the asset.

Most FXIFY accounts are evaluations, paid tests in one, two or three phases, and passing the last phase leads to a funded account. The seller is FXIFY Solutions Limited, a London company owned by a Hong Kong parent. Several FXIFY documents disagree with each other, and this review shows those conflicts instead of resolving them.

The facts below come from FXIFY's homepage price data, 163 of its FAQ pages, its general terms of 6 November 2024 and its user agreement of March 2025. All were read on 24 October 2026, together with the UK Companies House register.

FXIFY's eight programs in numbers

FXIFY sells five evaluation programs with no time limit, a five-day Lightning challenge and two instant account types, each for a one-time fee.

• ›Company. FXIFY Solutions Limited, company 14451720 in England and Wales, registered at 142 Central Street, London EC1V 8AR.
• ›Platforms. MetaTrader 5 (MT5), DXtrade and TradingView. US clients get DXtrade and TradingView only, and Lightning runs on MT5 alone.
• ›Markets. Currency pairs, metals, commodities, stock indices and single-stock CFDs. Crypto left the forex programs on 1 December 2025 and moved to separate crypto plans.
• ›Leverage. 30:1 on forex and gold in the evaluations, with 50:1 sold as an add-on on three of them, and 50:1 on forex in instant accounts.
• ›Trading costs. The All-In price feed charges no commission outside stocks, and the RAW feed, used by instant and Lightning accounts, charges $6 per lot round trip.

Leverage sets how large a position may be against the balance, so 30:1 lets $1,000 carry a $30,000 position. A standard forex lot equals 100,000 units of the first currency in the pair. Stock CFDs cost 0.35% round trip, and overnight swap charges apply on every account.

How FXIFY's phases and instant accounts work

Each FXIFY phase ends when the account hits its target with both loss limits intact, and instant accounts start funded with no phase at all.

To pass a phase, the account must grow by its profit target, a fixed percentage of the starting size. FXIFY uses two kinds of maximum loss, a static floor set once at purchase and a trailing floor that rises as the account sets new highs.

On most trailing programs the floor stops at the starting balance after a gain equal to the loss allowance, for example 6% on One Phase. A processed payout also fixes it there.

FXIFY checks both limits against real-time equity, meaning the closed balance together with floating results, so a breach lasting one second still counts. Only Lightning has a time limit, and its trades need a stop loss unless the trader buys the no-stop-loss add-on.

A consistency rule stops one large day from carrying a pass or a payout. FXIFY caps the best day at 25% of total profit on funded Two Phase Classic accounts, 30% on Lightning and 20% on Instant Lite, and the other programs have no such cap.

The $4,000 daily gain cap on Two Phase Pro

Two Phase Pro, launched on 30 April 2026, adds limits the other programs lack. Every stage, funded included, needs 3 days that each gain 0.5% of the starting balance or more.

Reaching $4,000 of profit in one day closes the trader out until the next trading day, after which the account trades on. Each of the first two payouts is limited to 5% of the starting balance, or $8,000 on 200K and 250K, and profit above that limit is removed.

Identity checks after a pass

KYC, the customer identity check required before money is paid out, runs twice at FXIFY. Sumsub handles FXIFY's own check, and Rise then runs a separate one.

FXIFY's FAQ says that failing either check means no funded account and no payouts. Instant traders go through both checks before their first payout.

A trader may hold one active account per size, with evaluation and funded accounts counted together. Two Phase Pro adds a $785,000 total cap, and Instant Standard allows one account at a time.

FXIFY fees at list price and with PFT15

FXIFY's list prices on 24 October 2026 matched all 54 accounts in PropFirmTrading's database, and each database price with PFT15 is 60% of list.

The live checkout was not used for this review, so the discount shown there is the figure that counts. The FXIFY discount code page prices all 54 accounts with PFT15.

FXIFY's price data also shows Instant Standard 75K and 100K accounts, both with no buy link, and its program page says instant accounts go up to $50K. This review therefore treats them as not on sale, although an allocation FAQ still mentions both sizes.

• ›Add-ons. On One Phase, Two Phase Standard and Three Phase, Performance Protect adds 15% to the fee and lets a funded trader claim remaining gains after a drawdown breach. The 90% split, bi-weekly payouts and 50:1 leverage are sold at prices FXIFY does not publish.
• ›Lightning extras. The 90% split adds 20% to the Lightning fee, and trading without a stop loss adds 5%.
• ›Fee refund. One Phase, Two Phase Standard, Three Phase and Lightning return 100% of the fee with the first payout, on request. Two Phase Classic, Two Phase Pro, Instant Standard and Instant Lite return nothing.
• ›Purchase refunds. FXIFY offers none once the first trade is placed, and the 14-day consumer withdrawal right ends when trading starts.
• ›Firm sales. FXIFY runs its own time-limited codes on its homepage. Its terms bar combining discounts unless FXIFY states otherwise, so PFT15 should not be expected to stack with them.

When FXIFY closes an account

A daily loss or maximum loss breach ends an FXIFY account at once, and the fee is kept.

Latency arbitrage means profiting from a delay between a fast price source and the platform's quotes. Hedging across accounts means opening opposite positions on two accounts so that one side always gains.

Positions still open on an instant account at 3:45 PM EST on Friday are closed automatically. Instant accounts also block trading in a 10-minute window around each high-impact news release, 5 minutes on either side. Profit from trades opened or closed in that window is not counted there, while losses stand. Lightning restricts trading during the same news window.

Expert advisors (EAs), programs that trade automatically, are banned there too, along with copy trading. On the other evaluations an EA needs pre-approval, and running one without it can suspend the account without profits.

FXIFY allows one profile per person, and several users on one IP address or device trigger a review. The FXIFY rules page lists the limits for every program.

News trading in the FAQ and in the terms

FXIFY's FAQ says it does not restrict news trading on the 1, 2 and 3 Phase programs or on Two Phase Pro. The same FAQ warns that large-risk news trades can lead to a ban for poor risk management.

The general terms go further. Section 5.4.1.6 bans gap trading, described as opening trades when major news or earnings are scheduled and in the final 2 hours before a market shuts for at least 2 hours. The clause links those two conditions with the word and, which leaves its reach over ordinary news trades unclear.

Section 4.5 lets FXIFY cut forex and metals leverage to 10:1 from 10 minutes before to 5 minutes after scheduled events. The cut also reaches positions opened earlier.

Discretion written into the general terms

Section 5.4.1 lets FXIFY ban strategies it considers highly speculative, at its sole discretion, and names overleveraging, overexposure and one-sided bets. Section 5.4.3 covers position sizes or trade counts far from a trader's usual pattern.

Under section 5.5, FXIFY may fail the account, delete trades from its history, restrict leverage indefinitely or terminate it. Section 5.10 states that the customer has no right to dispute a termination.

FXIFY payouts through Rise

FXIFY's FAQ states that every payout request goes through Rise, and the first request date depends on the program.

Rise is a payments platform used to pay contractors. The trader needs a verified Rise account under the same email address as the FXIFY account.

• ›Exceptions. Traders in Ukraine are paid in the USDC or USDT stablecoins through support. Iowa, South Carolina, Puerto Rico, Guam and the US Virgin Islands, which Rise does not serve, get an unnamed alternative.
• ›Minimum and fees. The minimum payout is $50 on every account, and Rise may charge its own withdrawal fee.
• ›Processing. Staff review requests Monday to Friday, 9 AM to 9 PM GMT, and typically process them within 3 business days. FXIFY's payout blog calls this a target, not a guarantee.
• ›During a request. The account is read-only, with trading disabled, until the payout is approved.
• ›Scaling. On One Phase, Two Phase Standard and Three Phase, 10% over 3 months with 2 profitable months adds 25% to the balance. Each later 3-month block that repeats the result doubles the balance, with four scale-ups at most.

The homepage advertises a first payout received instantly. That line describes when a request can be made on some programs, and the FAQ's processing time still applies afterwards.

FXIFY payout proof and its gaps

FXIFY prints paid-out totals on several of its pages, the totals differ from page to page, and none of them cites an audit.

The largest single payout, $117,000, appears on the homepage, the fast payouts page and the May 2025 post, although an earlier paragraph of that post puts the largest at $81,000. FXIFY's broker page claims $40M+ and 160+ countries, although the sitemap dates it to the same day in October 2025 as the fast payouts page.

FXIFY also hosts a public payout ledger with totals and a counter of rejected payouts. On 24 October 2026 its page showed $0.00 paid, 0 payouts and 0 rejections, and a later load in a full browser, with the page scripts running, showed the same empty ledger.

No on-chain record, auditor letter or outside attestation of FXIFY payouts was found on the firm's pages.

Is FXIFY legit?

FXIFY is a registered UK company with a named owner and director, and its general terms describe the service as simulated trading, not investment services.

• ›Company. FXIFY Solutions Limited, incorporated on 31 October 2022 and listed at Companies House as a software development business.
• ›Owner. Briarwood Ventures Limited of Hong Kong holds at least 75% of the shares and voting rights.
• ›Director. David Paul Bhidey, appointed on 31 October 2022, is the only current director, and FXIFY's newsroom quotes Peter Brown as co-founder.
• ›Group. The visible site footer says FXIFY Solutions Limited operates as a payment agent. A line calling it part of the FXPIG group of companies remains in the page code but is hidden from visitors.
• ›Broker link. FXIFY's newsroom says the licensed broker FXPIG backs it, and its FAQ names FXPIG price feeds. Its broker page names FXIFY Markets instead, and no licence was checked for this review.
• ›Law. Disputes go to the London courts, and English and Welsh law governs the general terms.

Simulated trading means demo accounts, with no order sent to a real market. FXIFY's FAQ, however, says a trader who passes receives a live account, and the user agreement describes FXIFY trading its own capital. FXIFY claims no licence of its own, so nothing in this review presents it as regulated.

Section 7.1 of the general terms concerns public criticism. It reserves FXIFY's right to take legal action over a complaint posted in public, whether or not the content is judged defamatory or misleading.

Conflicting statements across FXIFY documents

FXIFY's homepage, FAQ, program pages, general terms and user agreement disagree with each other on at least 16 points. Nine of them are set out below.

Martingale raises the position size after each loss, and grid trading places orders at fixed price intervals. Written answers from support@fxify.com on US eligibility, the contracting company and news trading would settle the conflicts with the most at stake.

What traders report about FXIFY

FXIFY's trader data averages 3.9 from 132 public reviews, the lowest average of any CFD firm in PropFirmTrading's data.

Of those reviews, 21 give one star, a 15.9% share, and 67 give five. Praise centres on low entry prices, the on-demand first payout and the fee refund. The one-star reports describe payouts stopped by Rise rejections, latency-arbitrage findings after a pass, funded accounts withheld after a pass in 2024 and bans given without a stated reason. Slow payouts come up mainly in the two-star and three-star reviews. These remain reviewers' own accounts, with outcomes PropFirmTrading could not verify.

Trustpilot listed FXIFY at 4.3 from 6,209 reviews at the last manual check of its profile, made on 9 September 2026. The newer review count shown in FXIFY's homepage widget is not used here.

How FXIFY's terms changed since 2023

FXIFY has reshaped its program list several times since 2023, and its own pages, as read for this review, announce no payout suspension or outage.

A weekly PropFirmTrading change watcher reads FXIFY's FAQ pages, price data and promotions for new edits.

FXIFY's $100K two-steps next to six CFD firms

At $100K, FXIFY's Two Phase Classic lists at $549 and drops to $329.40 with PFT15, the third-lowest code price among the seven two-steps below.

The comparison uses the five CFD firms with the largest trader review counts in PropFirmTrading's data, and adds Instant Funding, another UK firm that sells instant accounts.

FXIFY's two targets add up to 15%, against 14% at Goat Funded Trader and 13% for the 8% then 5% pair at the other peers. Before any code, its $549 sits between Instant Funding at $539 and FundedNext at $549.99.

Goat Funded Trader and Instant Funding have one-star shares close to FXIFY's, and The5ers has the lowest in the group. The comparison tool on PropFirmTrading lines FXIFY up against any one of these firms rule by rule.

Which trading styles FXIFY fits

FXIFY fits CFD traders on a small budget who want many program shapes and an early first payout, and who accept Rise as the only general payout route.

A trader planning a purchase can first confirm that Rise serves the country of residence, since FXIFY names no general alternative.

Disclosure of the FXIFY partnership

Each FXIFY account bought with PFT15 or through a PropFirmTrading link pays PropFirmTrading a commission. The database lists PFT15 at 40% off, and the FXIFY discount code page shows each account with the code applied.

This review rests on FXIFY's published documents, the UK company register and PropFirmTrading's own data. Nobody at PropFirmTrading bought, tested or traded an FXIFY account for it, and PFT15 was not tried at checkout.

FXIFY review publication record

• ›24 Oct 2026. This first version used FXIFY's price data, 163 FAQ pages, both sets of terms and the Companies House record, all read that day. The rules that end accounts, the payout and refund terms and the country lists were rechecked on FXIFY's live pages before publication.