Instant Funding Two-Phase: what does it cost? Rules and payouts (2026)
What is Instant Funding Two-Phase? A 2-step challenge in 6 sizes, from 5K to 200K. At 100K it costs $539, with a 8% / 5% target, a 5% daily loss limit and a 10% maximum loss.
Instant Funding Two-Phase, 100K: the rules on one chart
What does Two-Phase cost by size?
| Account | Price | Target | Daily loss | Max loss | Split |
|---|---|---|---|---|---|
| $5,000 | $48 | 8% / 5% | 5% | 10% | 80% |
| $10,000 | $89 | 8% / 5% | 5% | 10% | 80% |
| $25,000 | $163 | 8% / 5% | 5% | 10% | 80% |
| $50,000 | $296 | 8% / 5% | 5% | 10% | 80% |
| $100,000 | $539 | 8% / 5% | 5% | 10% | 80% |
| $200,000 | $1,078 | 8% / 5% | 5% | 10% | 80% |
Are these prices current? They're list prices without coupons, checked on 14 November 2026. Firms change prices often, so confirm on their site before paying.
Which rules matter?
Is the drawdown trailing? No, it's static: the limit is fixed at the starting balance and never rises, so profit gives you more room. Is there a consistency rule? Yes (40%): no single day can make up too much of your total profit. Is there a time limit? No.
What are the alternatives at 100K?
What else is there at 100K? Other 2-step challenges, cheapest first. Two-Phase costs $539.
| Firm | Price | Target | Max loss |
|---|---|---|---|
| Blue Guardian | $239 2 Step Nano | 8% / 5% | 10% |
| AquaFunded | $279.20 Two Step Pro | 10% / 5% | 10% |
| FundedElite | $299 Lite 2 Step | 10% / 5% | 8% |
| OneFunded | $349 Value | 8% P1 / 6% P2 | 8% |
| Atmos Funded | $379 2-Step Plus | 6% / 6% | 6% |
| The5ers | $405 High Stakes New | 10% / 5% | 8% |
So, is it worth it?
Is anything cheaper? 6 firms are at this size, so compare the rules before you buy. What do customers think? 3.1/5 on Trustpilot, so read recent reviews first.
Got questions?
What does Instant Funding Two-Phase cost at 100K?
$539. Across sizes the price ranges from $48 (5K) to $1,078 (200K).
What target and limits does Two-Phase have?
Target: 8% / 5%. Daily loss limit: 5%. Maximum loss: 10%, on a static drawdown.
When does Two-Phase pay out?
On request, with a 80% split.