The Xpert Funding Instant Funding Standard model offers traders immediate access to a Funded (Simulated) Account without completing an evaluation phase.
Key Summary:
Profit Target: 1% minimum for payout • Daily Drawdown: 3% • Max Drawdown: 6% (Trailing) • Max Risk/Trade: 1% • Consistency Rule: 40% max per day • Min. 4 Profitable Days • Profit Split: 80% • Payout Cycle: Every 21 Days • Weekend Holding: Allowed • News Trading: Soft Breach
Account Activation
Once purchased, your Instant Standard Account is activated immediately.
There are no evaluation phases, no profit targets to pass, and no waiting periods simply follow the ongoing risk and trading rules to remain eligible for payouts.
Instant Accounts follow the same risk parameters as other models but operate on a dedicated 14-day payout cycle.
Account Violation ( Hard Breach )
A Hard Breach refers to a serious violation of the trading rules that results in the immediate and permanent closure of the funded account. This includes exceeding drawdown limits, 75% margin abuse, over-leveraging, or restricted trading activity.
Maximum Drawdown (6% ) -Trailing
You may not lose more than 6% from your highest closed balance.
This limit moves upward only when profits are closed it does not trail unrealized equity and never moves downward.
Example:
Starting balance $100,000 → after profits $104,000 → new limit = $97,760 (6% below).
If balance falls below $97,760, the account is breached.
Daily Drawdown (3%) – Equity Based
Resets daily at 00:00 UTC and is calculated from the higher of balance or equity.If equity drops more than 3% below that value in a single day, the account is breached.
Example:
If balance = $100,000 and equity = $110,000 → max daily loss = $3,300.
If equity falls below $106,700, your account will be closed.
75% Margin Use Rule
Traders may not use more than 75% of available margin across open positions.
This prevents over-leveraging and promotes responsible exposure.
Example:
$10,000 × 1:50 = $500,000 buying power → 75% = $375,000 usable margin.
If price of EURUSD is $1.14, max ≈ 3.29 lots.
Maximum Risk Per Trade (1%)
You may not risk more than 1% of your account balance on a single trade.
This includes potential losses defined by stop loss orders.
Example:
$100,000 account → $1,000 max loss per trade.
If your stop loss exposes $2,000 risk, it violates this rule.
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
Opening or closing trades during high-impact news events is not allowed to protect against excessive volatility.All trades must be closed 5 minutes before and opened only 5 minutes after high-impact news events (per Forex Factory).
Example : If the Non-Farm Payroll (NFP) report for USD is scheduled for 14:00 UTC, all trades must be closed between 13:55 UTC and 14:05 UTC. No new positions related to USD should be opened within this window .
Rules
These are mandatory trading conditions that do not cause breaches but must be met to remain eligible for payouts. Failing to follow them will pause or disqualify payout requests until corrected.
Minimum Trading Days
You must complete at least 4 profitable trading days, each generating a minimum of 0.5% return.
Example: $100,000 account → $500+ per day over 4 days required for payout eligibility.
Consistency Rule
No single day’s profit may exceed 40% of your total accumulated profit.
This ensures payout eligibility reflects steady trading, not one-off large gains.
Formula:
Best Day % = (Highest Single-Day Profit ÷ Total Profit) × 100
Example:
Total profit $1,000 → Max daily profit $400 (40%).
If you make $500 in one day, continue trading until total profit ≥ $1,250 so that $500 = 40%.
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:
Complete the 40% Consistency requirments.
Minimum 1% total profit on the account.
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
Forex (1:20)
Indices (1:10)
Commodities (1:10)
Crypto (1:2)