In the funded trading scene of 2025, FXIFY and PipFarm are two names gaining serious attention. Both firms offer traders capital, but their methods are quite different.
FXIFY provides several evaluation paths, including instant funding, while PipFarm has a unique XP rewards system. This article will look at their platforms, rules, and payout styles to clarify the experience.
FXIFY vs PipFarm Comparison: Key Details at a Glance
Here's a side-by-side comparison of the essential details for both prop firms:
| Feature | FXIFY | PipFarm |
|---|---|---|
| CEO | Peter Brown & David Bhidey | James Glyde |
| Broker | Alchemy Markets, FXPIG | TopFX |
| Platforms | DXTrade, MT4, MT5 | cTrader |
| Payment Methods | Credit/Debit Card, Crypto, PayPal | Credit/Debit Card, Crypto, PayPal, Skrill |
| Payout Methods | Bank Transfer, Crypto, Riseworks | Crypto, Riseworks, Skrill |
The table shows some clear differences between the two firms. FXIFY offers more platform variety with three trading options, while PipFarm focuses solely on cTrader.
For payments, PipFarm provides an additional option with Skrill, and their payout methods also include Skrill alongside the standard crypto and Riseworks options that both firms share.
FXIFY's Approach | Multiple Paths to Funded Trading
FXIFY operates on a straightforward slogan: “Trade. Get Paid. Repeat.” The firm positions itself as a place that rewards trading talent, allowing skilled individuals to trade company funds and earn a real income from the markets.
The core idea is for traders to prove their skills and get compensated for their performance.
One of FXIFY's main attractions is the variety of its programs. Traders are not limited to a single entry route. Instead, they can choose from three distinct paths to get funded:
Across these programs, traders can access account sizes of up to $400,000. This variety contrasts with firms like PipFarm that focus on a single trading platform and a more streamlined progression system.
FXIFY emphasizes flexibility, allowing traders to customize their chosen program during checkout to better align with their individual trading style and goals.
Once funded, traders are encouraged to use their unique strategies while staying within the firm’s risk management rules.
The payout structure is designed to be highly appealing. Traders can earn up to a 90% performance split and can request their first payout on demand.
Notably, there are no minimum or maximum payout amounts, offering traders quick and unrestricted access to their earnings.
PipFarm's Structured Path to Funding
While FXIFY offers multiple entry points into funded trading, PipFarm presents a more structured, step-by-step journey designed for traders who value clarity and a clear progression plan.
The firm's entire model is built on a four-stage process: Start > Pass > Earn > Scale. This approach rewards consistent performance and profitable trading with progressively larger account sizes.
PipFarm’s system is centered around a choice of three distinct challenge modes, each designed for a different type of trader:
A key feature in the Endurance and Consistency modes is Smart Scaling. This system tracks a trader's cumulative profit, meaning withdrawals do not reset their progress toward scaling their account.
Once a trader achieves a 12% total profit, combining their payouts and current equity, their account is automatically scaled up.
This contrasts with FXIFY's approach, which provides flexibility through different initial programs like Instant Funding or various evaluations. PipFarm, on the other hand, builds scaling directly into its challenge structure, offering a predictable path for traders who can consistently meet its rule-based objectives.
FXIFY’s Commissions: Choice Between Raw and All-In
When it comes to trading costs, FXIFY gives traders a choice between two different account types, which is a key distinction from PipFarm. This choice allows traders to pick the cost structure that best fits their strategy.
Here’s the breakdown:
This dual-account system offers flexibility. Traders who want tight spreads and are comfortable with a separate commission fee can opt for Raw accounts, while those who prefer a simpler, all-inclusive cost can choose the All-In option.
PipFarm’s Commissions: Simple and Straightforward
PipFarm takes a more direct approach to commissions, which contrasts with FXIFY’s dual-account system. Instead of offering different account types, PipFarm provides a simple, flat-rate commission structure that is easy to understand.
Here’s how it works:
This simplified structure is beneficial for traders who want to focus on their strategy without worrying about different cost models. For those trading indices or crypto, PipFarm’s zero-commission approach presents a clear cost advantage, making it an attractive option for traders who prioritize low fees across these specific asset classes.
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FXIFY's Consistency Rule
For traders on FXIFY’s Lightning Plans, the 30% consistency rule is a key requirement in both the Challenge and Live phases. This rule states that no single trading day should contribute more than 30% of a trader’s total profits.
The aim is to encourage steady growth rather than relying on one standout day, supporting long-term sustainability and better risk management.
Compared to PipFarm’s approach, which uses a stricter consistency score that monitors profit distribution even more closely, FXIFY’s rule is more flexible. While both firms want to see stable performance, PipFarm’s system can be tougher for traders who occasionally have larger winning days, whereas FXIFY’s 30% threshold gives a bit more room for natural trading fluctuations.
This difference lets traders choose the environment that best matches their trading habits and goals.
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PipFarm’s Consistency Score
PipFarm’s Consistency Mode uses a consistency score to ensure traders achieve steady results, not just one-off big wins. This score measures how much of a trader’s total profit comes from their single best trading day.
To pass the challenge or request a payout, the score must stay under a strict threshold, which depends on the account size:
| Account Size | Consistency Score Limit |
|---|---|
| $5K–$50K | ≤ 50% |
| $100K | ≤ 40% |
| $200K | ≤ 30% |
| $300K | ≤ 20% |
How it works:
If a trader’s top profit day makes up more than the allowed percentage of their total profits, they won’t qualify for payouts or to move forward in the program. For example, on a $200K account, no single day can account for more than 30% of total profits.
A Look at FXIFY’s Funding Options
FXIFY provides several distinct programs, allowing traders to select a path that aligns with their confidence, budget, and trading style.
Each option offers different starting conditions, and traders can add custom features during checkout for a more personalized experience.
Here is a breakdown of the programs available:
PipFarm's Challenge Options for Every Trader
PipFarm offers three distinct challenge modes, providing different paths to funding that cater to various trading styles and preferences. This approach contrasts with FXIFY's program-based structure, giving traders flexibility within a single evaluation framework.
Here’s a look at PipFarm's three modes:
It requires a minimum number of trading days and a 3% minimum payout, with scaling achieved after four successful payouts. This mode is ideal for traders who are confident in their ability to reach targets and prefer fewer rules.
This mode incorporates Smart Scaling logic, which allows traders to scale their accounts after achieving a 12% total profit, rewarding consistent performance over time.
The score ensures that a single large trade does not account for the majority of the profits.
Like Endurance Mode, it uses Smart Scaling logic and requires a 12% total profit to scale the account, making it suitable for disciplined traders who can generate steady returns.
While FXIFY allows traders to choose from entirely different programs like Instant Funding or multi-phase evaluations, PipFarm provides flexibility through these three specialized modes within its challenge structure.
This gives traders the ability to select rules that best match their trading personality—whether they prioritize freedom, long-term growth, or proven consistency.
Why FXIFY ? Flexibility, Rewards, and Growth
FXIFY stands out by offering a blend of fast payouts, substantial capital, and trader-focused features that make it a top choice for those seeking more than just funding. Here’s how FXIFY delivers unique perks compared to other prop firms:
Instant Payouts—No Waiting Required
Traders can request their first payout as early as Day 1, right after closing a profitable trade. There are no minimum trading days, no hidden rules, and no limits on withdrawal amounts. This immediate access to profits is a major plus for those who value speed and transparency.
Up to $400,000 in Capital
FXIFY provides access to funded accounts ranging from $5,000 up to $400,000, with the flexibility to scale even higher for top performers. This level of funding lets traders pursue bigger opportunities without the usual barriers.
High Profit Splits
With profit splits reaching up to 90%, FXIFY ensures traders keep a significant share of their earnings. There are also add-ons available to boost the profit split from the standard 75% to the maximum 90%.
Programs Built for Every Trader
FXIFY lets traders pick from a variety of programs—Instant Funding, Lightning Challenge, and multi-phase Evaluations—each with different requirements and benefits. Accounts can be customized at checkout, so traders can select features that suit their own approach and risk appetite.
Monthly Competitions
FXIFY is one of the few firms still running monthly trading competitions. Prizes include funded trials worth up to $400,000, giving traders a chance to compete, showcase their skills, and earn extra rewards outside of regular trading.
Access to Trading Central
All FXIFY traders receive complimentary access to Trading Central’s advanced analytics and educational resources. This gives both new and experienced traders the tools they need to improve their strategies and stay informed about market trends
Why Traders Choose PipFarm?
PipFarm attracts traders who value a clear, structured path to growth, built on transparency and consistent rewards. While FXIFY offers a wide menu of customizable programs, PipFarm focuses on refining a core experience with trader-centric features that support steady progress.
Here are the key reasons traders are drawn to PipFarm:
For traders seeking a clear-cut system that rewards consistency and provides powerful tools for risk management, PipFarm offers a compelling choice. Its structure provides a predictable journey, contrasting with FXIFY’s more flexible, à la carte approach to funding.
FXIFY’s Payouts and Scaling | Fast and Flexible Rewards
FXIFY’s payout and scaling system is designed to give traders quick access to their profits while offering a clear path for account growth. This approach provides a notable contrast to the fixed weekly payout schedule of firms like PipFarm.
Profit Split and Payout Frequency
By default, traders on all FXIFY accounts receive an 80% profit split. For those wanting a larger share, an add-on can be purchased at checkout to increase this to 90%.
The payout schedule differs by program, emphasizing flexibility:
This on-demand first payout for evaluation accounts is a key feature, offering faster access to earnings than many competitors with fixed cycles.
Account Scaling Plan
For traders in the evaluation programs, FXIFY provides a structured scaling plan (this does not apply to Instant accounts). To grow their account, traders must:
Successfully meeting these conditions qualifies the trader for a 25% scaling of their account balance.
This process repeats every three months under the same performance conditions, with the account balance doubling each time, rewarding consistent and profitable trading.
PipFarm's Payouts | Structured and Reliable
PipFarm’s payout system is built on a foundation of predictability and structure, offering traders a reliable weekly schedule. This approach is quite different from FXIFY’s more flexible, on-demand payout model.
Payout Schedule and Rules
PipFarm processes payouts automatically every Friday at 06:00 GMT. To be eligible, traders must have met all account requirements and have no open trades at the time of the payout.
Key details of the policy include:
- Endurance & Consistency Modes: 1% of the starting account balance.
- Classic Mode: 3% of the starting account balance.
This system provides a clear and consistent payment cycle that traders can count on.
While FXIFY offers the advantage of an immediate on-demand first payout for its evaluation programs, PipFarm’s weekly structure appeals to traders who prefer a regular and dependable payment routine.
Queries Over FXIFY vs PipFarm Comparison
Which Prop Firm Offers Higher Profit Splits?
PipFarm leads with up to 95% profit share for loyal traders, while FXIFY offers up to 90% (standard is 80%, with a 90% addon available at checkout).
What makes FXIFY's Instant Funding Unique?
FXIFY’s Instant Funding lets traders skip evaluations and start trading live capital immediately, with payouts available from day one and up to a 90% profit split.
Is PipFarm better for Consistency-Based Traders?
Yes, PipFarm’s Consistency Mode enforces strict profit distribution rules, rewarding traders who deliver steady results over time—ideal for those who value consistent performance.
Who has more Payout Options: FXIFY or PipFarm?
FXIFY supports bank transfers, crypto, and Riseworks. PipFarm offers crypto, Riseworks, and Skrill. PipFarm’s inclusion of Skrill provides an extra option for some traders.
How do Firm Rules differ between the two?
FXIFY offers flexible entry paths and customizable rules, including instant funding and various evaluations. PipFarm uses a step-by-step model with clear, structured rules and consistency-based challenges.
Which has more Platform Support?
FXIFY supports DXTrade, MT4, and MT5, giving traders three choices. PipFarm focuses on cTrader, providing a streamlined experience on a single platform.
Make Your Choice: FXIFY or PipFarm?
In 2025, the right prop firm depends on your personal trading style. FXIFY is a great fit for traders who want custom programs, instant payouts, and access to an advanced dashboard.
In contrast, PipFarm appeals to those who prefer its smart scaling system, predictable Friday payouts, and overall clarity.
Reflect on your goals to find your best match.
