FXIFY review

FXIFY is a London-incorporated forex prop firm (FXIFY Solutions Limited) that launched in 2023 with a structural advantage almost nobody else in the category has: its MT4 and MT5 accounts are wired into FXPIG, a retail broker that has been running since 2010. Most prop firms hand you a MetaTrader demo server with synthetic pricing. FXIFY hands you STP execution against real liquidity, with raw spreads from 0.0. If you have ever suspected that your funded-account fills are worse than your live-account fills, that difference is the entire reason to look at FXIFY.

The second thing that defines FXIFY is the a la carte model. Instead of one product with one rulebook, you assemble the account you want: 1-phase (Lightning), 2-phase Classic, or a 3-phase path with the lowest per-phase targets in the market, plus a straight instant-funding option. On top of that sit paid add-ons — a 90% split, 1:50 leverage, bi-weekly payouts, drawdown protection. Account sizes run from $5k to $400k with an advertised scaling path to $4M, and the firm has published roughly $30M in payouts across 200,000+ withdrawals in its first two years.

The catch is that the marketing numbers describe a loaded account, not the base one. The default split is 80%; the 90% you see in ads is an add-on priced at a percentage of the evaluation fee. Stack a few of those and the account costs well over half again the sticker price. FXIFY has also changed terms mid-stream — moving the 2-step product from static to trailing drawdown and introducing a consistency requirement after launch — which is the main reason its trust score sits below FTMO's despite better execution.

Payouts run bi-weekly by default, with day-one eligibility on selected account types and a monthly option on the Classic that pushes the split as high as 100%. There is no minimum withdrawal amount, and the published cumulative figure — $30M+ across 200,000+ payouts — is a real evidence trail for a firm this young, which is why FXIFY scores 83/100 on our payout-proof metric rather than the 70s that most 2023-vintage firms earn.

The recurring complaint is not refusal to pay, it is the pipeline. FXIFY routes withdrawals through the Rise payment provider, and traders have reported KYC verification stalls at Rise that froze payouts on accounts which had already been verified and paid before. Practical mitigation: complete Rise verification the day you get funded rather than the day you request money, and keep your first withdrawal small so you discover any identity friction before there is five figures at stake.

Entry starts near $39 for the smallest account, and a 2-step $10k sits around $89 — genuinely cheap by forex standards. But the base account is 80% split, standard leverage and standard payout timing. Add the 90% split (+20% of fee), 1:50 leverage (+25%), bi-weekly payouts (+5%) and performance protection (+15%) and you are paying roughly 65% above sticker for the account most people think they are buying.

Model it against FTMO, where a 90% split and a refunded fee are included: a loaded FXIFY 100k is competitive but no longer a bargain, while a base FXIFY 100k is much cheaper than FTMO and materially worse on split. The honest way to price FXIFY is to decide which add-ons you actually need — most traders need the split upgrade and nothing else — and compare that specific total, not the $39 headline.