The XpertFunding 1-Step Challenge is built for disciplined traders ready to prove consistency and earn direct access to a funded account.
Key Summary:
Profit Target: 8% • Daily Drawdown: 3% • Max Drawdown: 5% (Trailing) • Minimum Trading Days: 3 • Profit Split: 80% • No Time Limit • News & Weekend Holding: Not Allowed • Payout Cycle: Every 21 Days
Phases for the 1-Step Challenge Model
The Xpert Funding 1-Step Challenge is a streamlined evaluation process built for traders who want a faster route to a Funded (Simulated) Account.
This model features a single evaluation phase, where traders prove their consistency and risk management by meeting the profit target while following all trading rules
including the 3% Daily Drawdown, 5% Max Drawdown, and 75% Margin Use limit.
Next Steps After Passing
The process after passing the challenge depends on your account size:
Accounts below $10,000: The Funded (Simulated) Account is issued automatically after verification.
Accounts $10,000 and above: Your results go through a manual review by our risk and compliance team before activation. (24H)
This short review ensures all results are accurate, rule-compliant, and ready for payout eligibility
The Evaluation Phase ( Phase 1 )
This single phase is designed to test your ability to achieve a profit goal while demonstrating disciplined risk management and trading consistency over time.
Trading Objectives:
Reach the profit target while respecting all risk parameters.
Complete a minimum of 3 trading days (each day must show at least 0.5% movement).
Follow all trading restrictions, including news and weekend rules.
Example:
For a $100,000 account, your balance must reach $108,000 to pass the challenge and qualify for your Funded (Simulated) Account.
The Funded (Simulated) Account
Once you successfully complete the evaluation phase, you’ll receive access to your Funded (Simulated) Account, where you can continue trading under the same professional parameters and begin receiving real payouts based on your simulated trading performance.
To learn more about payouts, rules, and scaling opportunities, visit our Reward Cycle section.
Account Violations (Hard Breach)
A Hard Breach is any rule violation that causes instant account termination for both Challenge and Funded accounts.
Trailing Maximum Loss
The Trailing Maximum Loss (Max Drawdown) is the total amount your balance or equity cannot fall below relative to its highest point.
It trails your account’s peak equity by 5%, adjusting upward as profits are secured.
Trailing Max Drawdown: 5% (below your highest equity or balance)
Example: Starting balance $100 000 → Initial limit $95 000.
If equity grows to $105 000, the new limit becomes $99 750 (5% below the peak).If your balance or equity drops below this level, the account is breached.
Daily Loss Limit
The Daily Loss Limit defines the maximum amount your account can lose in a single day. This limit is calculated from the higher value between your balance or equity at 00:00 UTC. Violating this rule is a hard breach and leads to immediate account closure.
Daily Loss Limit: 3% (of the higher value between your starting balance or equity)
Example 1 – Higher Equity:
With a $105 000 balance and $107 000 equity, your equity cannot fall below $103 790 that day.
Example 2 – Higher Balance:
With a $100 000 balance and $99 000 equity, your equity cannot fall below $97 000 that day.
The Daily Loss Limit resets at 00:00 UTC based on the higher of balance or equity.
75% Margin Use Rule
Traders must not use more than 75% of available margin across open positions.This rule prevents over-leveraging and ensures sustainable exposure.
Example:
With a $100 000 account and 1:50 leverage, your buying power equals $5 000 000.
Under the 75% rule, the maximum usable exposure is $3 750 000.
Opening trades above this limit results in an immediate breach.
Inactivity Rule
If your account remains inactive for 30 consecutive days, it will automatically be closed.To remain active, at least one trade must be opened and closed within each 30-day period.
Soft Breaches (Warnings & Minor Violations)
Soft breaches are non-terminal violations of trading conduct.
They do not close your account but may lead to a temporary suspension, profit reduction, or payout delay. These exist to protect trading consistency and maintain fairness across all participants.
News Trading Violation
Trading during restricted high-impact news windows is classified as a soft breach.Positions opened or closed within 5 minutes before or after major economic releases (as listed on Forex Factory) fall under this rule.
Restricted Window: 5 minutes before and after the scheduled news time
Consequence:
First violation → Warning + profit deduction
Repeated violations → Profit deduction or account review
Example:
If NFP is at 14:00 UTC, no USD trades may be opened or closed between 13:55 UTC and 14:05 UTC.
Weekend Holding Violation
Holding or opening trades over the weekend is not permitted and counts as a soft breach.Traders must close all positions before the market closes on Friday.
Consequence:
First violation → Warning + profit deduction
Repeated violations → Profit deduction or account review
This rule prevents exposure to weekend gaps and unpredictable volatility.
*Traders are responsible for violations if deductions exceed the daily loss or maximum loss limit.
Reward Cycle & Profit Split
Our Reward Cycle defines how traders receive payouts and how profits are distributed once the account becomes funded. This structure ensures regular, transparent compensation while encouraging disciplined performance.
Profit Split
Profit Split: 80% to the trader, 20% to Xpert Funding
Applies To: Funded Accounts only
All profits are calculated based on closed trades.
Withdrawals cannot be made from open positions or floating equity.
Payout Frequency
Cycle: Every 21 days
Eligibility:
At least 3 profitable trading days since the last payout
Minimum $100 profit balance
Payouts can be requested through your Xpert Funding dashboard once these conditions are met. All verified profits are distributed within the next payment cycle.
Instrument Types & Leverage
Trading instruments are divided into categories with clearly defined leverage limits.
These parameters ensure realistic exposure and maintain consistent risk management between the Challenge and Funded phases.
Leverage:
Challenge Phase
Forex (1:100)
Indices (1:20)
Commodities (1:20)
Crypto (1:2)
Funded Phase
Forex (1:50)
Indices (1:10)
Commodities (1:10)
Crypto (1:2)