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InstantFunding — Two Phase

Two Phase and Two Phase Micro — two evaluation steps, then funded. No Clarity variant exists at this tier.

Rule Two Phase Two Phase Micro
1st Target (GT$)14.5%14.5%
Max Account Size$100,000$200,000
Recurring Target1.5%
Max Daily Loss5%4%
Max Drawdown10% static
Open Risk / RMT2.5%2%
Lot CapsYes
Consistency Rule40%15%
News / WeekendPaid add-onIncluded
Profit Split80% (90% with add-on)
PayoutEvery 3 daysNo fixed frequency, gated by the 15% consistency rule
Scaling+25% every 90 days (10% profit required), capped at 2x starting size

Scaling Isn't Worth Planning Around Here Either

Same slow scaling as the rest of the InstantFunding lineup, +25% per 90-day cycle, each gated behind a fresh 10% profit requirement, capped at doubling the account. Reaching a full 2x takes 3-4 consecutive successful cycles, 9-12+ months of sustained performance. A second account at $289-$539 is cheaper and faster than waiting on this to compound.

Two Phase vs Two Phase Micro

Two Phase

10% static drawdown, 40% consistency, the widest room to operate of the two-evaluation-step tier. Two steps means a longer road to funding than the Instant or One Phase lines.

Two Phase Micro

Same 10% drawdown, tighter 15% consistency, cheaper. Same rule as everywhere else on this site: the tighter consistency requirement is only a problem for a trader who wasn't trading consistently to begin with.

Two Phase vs FTMO

Direct comparison: FTMO 2-Step is $540, 15% combined target, 10% drawdown, no consistency rule. IF Two Phase is $539, 14.5% combined target, 10% drawdown, 40% consistency, payout every 3 days. Nearly identical on price and drawdown. IF has a slight edge on target and payout speed, FTMO has the edge on no consistency rule and a much longer public track record. Both are solid, the consistency rule is the real deciding factor between them, not price or drawdown.

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All data sourced from publicly available websites, trading rules pages, FAQ sections, and Terms & Conditions documents. Payout success ratings are based on verified trader reports, public reviews, and personal experiences where noted. Important: several firms maintain separate web and PDF terms that contain conflicting language — the PDF is the controlling document. Always read the full PDF terms before purchasing any account. This is educational material — always verify current terms directly with the firm.

Updated: Jul 21, 2026