Funding Pips Evaluation Models & Account Types

Funding Pips has refined its offerings into four distinct "logic-based" paths. Each model is designed with a specific risk-to-reward ratio to suit different trading personalities.

2-Step (Standard): This is the flagship model. With an 8% Phase 1 and 5% Phase 2 target, it balances standard difficulty with a generous 10% maximum drawdown. It is best suited for traders who want a "safety cushion" while they grow their account.
2-Step Pro: The "efficiency" model. It offers lower profit targets (6% for both phases) and the lowest entry price in the industry. However, the risk-to-reward is tighter due to the 6% maximum drawdown and the 45% consistency rule. This is for high-precision scalpers who trade daily.
1-Step: For those who want to reach funding fast. A single 10% profit target stands between you and capital. This model is for high-conviction traders who have a proven edge but prefer a single-hurdle approach.
Zero (Instant Funding): Skip the evaluation entirely. While the initial fees are higher, you earn from day one. This model includes a 20% consistency rule, making it the ultimate test of long-term professional stability.

Pro Tip: If you are a beginner, the 2-Step Standard is mathematically your best friend. The 10% drawdown gives you nearly double the "room to breathe" compared to the Pro model.

Trading Rules, Drawdown, and Consistency

To win at Funding Pips, you must master their drawdown math. Funding Pips uses Equity-Based Daily Drawdown, which resets at 00:00 Server Time (usually GMT+2/3).

The Calculation Example: If you have a $100,000 account and you end the day with a floating equity of $105,000, your 5% daily loss limit for the next day is calculated from that $105,000 peak. This means your daily "floor" is $99,750 ($105,000 - $5,250). If your equity touches that number at any point the next day, the account is breached. Many traders fail because they believe the limit is always based on the $100,000 initial balance.

The 45% Consistency Rule is equally vital. No single trading day can contribute more than 45% of your total profit required to pass or withdraw. If you make $6,000 in a single day on a $100,000 Pro account (where the target is $6,000), you haven't passed; you must continue trading until that $6,000 represents 45% or less of your total gains.

Profit Split and Payout Process

Funding Pips excels in payout velocity. They utilize Rise and Crypto (USDT/BTC) to ensure that once a payout is approved on Tuesday, it typically hits your wallet within 24 hours.

The "Trust Points" for Funding Pips are high because they offer a tiered profit split. You start at 80%, but consistent performers can reach the "Hot Seat," where the split is 100%. Unlike other firms that hold your first payout for 30 days, Funding Pips allows your first withdrawal just 7 days after your first trade on a Master account.

Trading Platforms and Broker Integration

Since moving away from MetaQuotes, Funding Pips has integrated with top-tier liquidity providers through MatchTrader and cTrader. The execution feel is "raw"—meaning you get direct-market-access (DMA) style spreads.

During our latency tests, we found that slippage is negligible on major pairs, but we recommend caution during the "rollover" period (server reset) when spreads naturally widen across all providers. The use of MatchTrader has been a game-changer for US-based traders, offering a smooth web and mobile interface that rivals the old MT4/MT5 experience.

Prohibited Strategies and Hidden Rules

Transparency is where Funding Pips sets the standard. They distinguish clearly between "Soft Breaches" and "Hard Breaches."

Soft Breaches: Forgetting a stop-loss (if required by your specific plan) or trading news on a Master account. Usually, these trades are just voided.
Hard Breaches:
- IP Address Violations: Trading from more than two distinct geographic locations without notifying support.
- Group Hedging: Opening a Buy on one account and a Sell on another (even across different firms) to "guarantee" a win on one.
- HFT/Latency Arbitrage: Using bots that exploit price delays between servers.
- Account Sharing: Allowing a third party or a "pass your challenge" service to access your credentials.

Pro Tip: Always use a VPS if you travel frequently. This keeps your IP address consistent and prevents the automated "Account Sharing" flag from being triggered.

Verified Prop Firms

Funding Pips Review 2026: Payout Proof & Hidden Rules (Don't Get Banned)