FXIFY vs Moneta Funded
Rule-by-rule comparison from each firm's own website, last verified . The marked figure is the stronger one on that line.
Quick take
- Cheaper entry: Moneta Funded ($30 vs $39).
- Faster payout cycle: FXIFY (Daily / on demand).
- Higher Trustpilot rating: Moneta Funded (4.6).
- Overall PA Score: FXIFY 7.7 vs Moneta Funded 7.5.
FXIFY stronger on 3Moneta Funded stronger on 4of 10 lines where both publish a comparable figure
| FXIFY7.7 PA Score | Moneta Funded7.5 PA Score | |
|---|---|---|
| PA Score | 7.7 (stronger figure) | 7.5 |
| Trustpilot | 4.36,550 | 4.6299 (stronger figure) |
| Founded | Not published | Not published |
| HQ | London, United Kingdom | Gros-Islet, Saint Lucia |
| Markets | Forex, Indices, Commodities, Crypto, Stocks, Futures (stronger figure) | Forex, Indices, Commodities, Crypto |
| Challenge types | 1-step, 2-step, 3-step, instant | 1-step, 2-step, instant |
| Entry fee from | $39 | $30 (stronger figure) |
| Cost per $1K allocation | $3.99 | $2.84 (stronger figure) |
| Largest account | $400K (stronger figure) | $200K |
| Profit target | 10% / 5% | 5% Phase 1 / 10% Phase 2 |
| Daily loss limit | 4% | 5% (4% on lower-cost option) (stronger figure) |
| Max drawdown | 10% | 10% (8% on lower-cost option) |
| Drawdown type | trailing (Standard) / static (Classic) | static |
| Profit split | up to 90% (up to 100% on Two Phase Classic) | 88% (60% option on Instant Funding; 100% on Sprint) |
| Leverage | up to 30:1 standard; up to 50:1 via add-on/on some programs | Up to 1:100 on 2-Step (forex); 1:30 on all other programs |
| Platforms | MT5, DXtrade, TradingView | MT5, Match-Trader |
| Payout frequency | First payout on demand on 1/2/3-Phase evaluation accounts (after closing first funded trade; program pages also state 5 minimum trading days); thereafter monthly, or every 14 days with the Bi-weekly add-on. Instant Funding pays every 14 days. | Every 14 days; first payout 14 days after first trade (1-Step Daily: daily; Instant Funding Pro: first payout on demand; Sprint: on reaching target) |
| First payout (days) | Not published | 14 |
| Min trading days | 5 | 3 |
| Consistency rule | None on 1/2/3-Phase evaluations; Lightning 30%; Crypto accounts 25% | Instant Funding only: best day must not exceed 15% or 20% of profit (chosen at purchase); none on other programs |
| News trading | Allowed | Restricted |
| Weekend holding | Allowed | Allowed |
| Discount code | 25% off + 2 free add-ons (November Sale; not valid on Instant Lite) | 40% off (limited time; not valid on Sprint) |
| Visit site (opens FXIFY in a new tab)Our referral code: Enter it at checkout so we're credited. | Visit site (opens Moneta Funded in a new tab) |
Not published means we could not find the figure on the firm's own site. Sources are listed on each firm page.
Which should you choose?
FXIFY edges it, 7.7 to 7.5: close enough that your trading style should decide. Both sell CFD accounts, so the rules line up like for like. Who each one suits, going only by what they publish:
Pick FXIFY if
- you want a faster payout cycle (daily / on demand)
- you trade high-impact news
- you need DXtrade and TradingView
- review volume matters to you (6,550 Trustpilot reviews vs 299)
- you weigh firm-reported payouts ($40M+ Paid out)
Pick Moneta Funded if
- you want the cheaper way in ($30 vs $39 for the smallest account)
- you care about cost per $1K of account ($2.84 vs $3.99)
- you need Match-Trader
Price at each account size
Cheapest program each firm sells at the sizes both offer.
| Account | FXIFY | Moneta Funded |
|---|---|---|
| $2.5K | $119 | $155 |
| $5K | $39 | $33 |
| $10K | $59 | $30 |
| $25K | $149 | $75 |
| $50K | $249 | $142 |
| $100K | $399 | $284 |
| $200K | $799 | $568 |
Payouts
FXIFY: First payout on demand on 1/2/3-Phase evaluation accounts (after closing first funded trade; program pages also state 5 minimum trading days); thereafter monthly, or every 14 days with the Bi-weekly add-on. Instant Funding pays every 14 days.. Methods: Rise, USDC/USDT (where Rise unavailable). The firm reports "$40M+ Paid out" (homepage, checked 31 Oct 2026).
Moneta Funded: Every 14 days; first payout 14 days after first trade (1-Step Daily: daily; Instant Funding Pro: first payout on demand; Sprint: on reaching target). First payout after 14 days. Methods: USDC-ERC20, USDT-ERC20, USDT-TRC20, Moneta Markets account.
Firm-reported payout totals are the firms' own figures. We have not audited them.
Rule changes
| Date | Firm | Field | Was | Now |
|---|---|---|---|---|
| FXIFY | Discount codeOffers | AGHHH35 (35% off (Halloween; not valid on Instant Lite)) | FUNDED25 (25% off + 2 free add-ons (November Sale; not valid on Instant Lite)) |
Legit check
Track record, review volume, payout terms and restrictions for each firm, on one page each: Is FXIFY legit? · Is Moneta Funded legit?
FAQ
Which is cheaper, FXIFY or Moneta Funded?
Smallest published entry fee: FXIFY $39, Moneta Funded $30. Cheapest per $1K of account: FXIFY $3.99, Moneta Funded $2.84.
Which pays out faster, FXIFY or Moneta Funded?
FXIFY: First payout on demand on 1/2/3-Phase evaluation accounts (after closing first funded trade; program pages also state 5 minimum trading days); thereafter monthly, or every 14 days with the Bi-weekly add-on. Instant Funding pays every 14 days.. Moneta Funded: Every 14 days; first payout 14 days after first trade (1-Step Daily: daily; Instant Funding Pro: first payout on demand; Sprint: on reaching target).
Which has the higher profit split?
FXIFY: up to 90% (up to 100% on Two Phase Classic); Moneta Funded: 88% (60% option on Instant Funding; 100% on Sprint). Headline splits often need scaling or an add-on.
Which is better for beginners, FXIFY or Moneta Funded?
On our six-point beginner checklist FXIFY meets 5 and Moneta Funded meets 4. The checklist is explained on the best prop firms for beginners page.
Are FXIFY and Moneta Funded legit?
Both publish their rules and are listed with sources. See the evidence pages: propanalyse.com/firms/fxify/legit/ and propanalyse.com/firms/moneta-funded/legit/.