1 Step
The 1-Step Standard Challenge is designed for traders looking for a simplified path to funding — with just one phase, clear risk rules, and no surprises. Once the profit target is met and the rules are followed, traders move directly to a funded account with access to up to 100% of the rewards.
This model is best suited for confident traders who prefer a faster route and full transparency from start to finish.
Rules
Your account will be closed immediately if:
- You exceed the daily drawdown limit (4%)
- Your Overall Drawdown loss limit (7%)
If Breached
If breached, you may:
- Buy a new challenge
- There are no resets on this model.
Rule
Your max daily drawdown is 4% of the previous day’s highest balance or equity, whichever is greater. This resets every day at 5PM EST.
Example 1
Yesterday’s highest: $100,000
Daily limit = $96,000
If equity falls below that, the account is breached.
Example 2
Highest: $105,000
Daily limit = 4% = $4,200
New threshold = $100,800
Rule
This is a fixed drawdown level. It never moves regardless of how much profit you make.
Example
$100K account
7% = $7,000
If your equity or balance falls below $93,000, you’re breached.
Requirements
To qualify for funding or a payout, traders must:
- Trade at least 5 separate days
- Generate 0.5% profit on each of those days
Add-On Option
If you purchased the No Minimum Trading Days add-on, this rule is waived.
Rules
Once funded, the same drawdown rules apply:
- Max Overall Loss: 7% (static)
- Max Daily Loss: 4%
- Minimum Trading Days: 3 with 0.5% profit per day (for 1-step challenge)
- Profit Split: 100% (with add-on)
Default
85%
With Add-On
100%
EAs & Bots
Fully allowed
All Styles
All styles welcome
Lot Size Restrictions
No lot size restrictions, but trade risk must stay within rules.
Refund Policy
Refunds of the challenge fee happen only after your 4th payout from a funded account. The initial fee is non-refundable if the account is failed.
2 Step
Two-phase evaluation model with generous loss limits and unlimited time to pass.
The 2 Step Challenge is designed to test your trading consistency across two stages before unlocking a funded account with up to 100% profit split. With high max drawdown and no time pressure, it’s built to reward patient, disciplined traders.
Rule
If you violate drawdown rules, your account will be breached and closed permanently. This applies to both evaluation stages and the funded phase.
Rule
This is the maximum loss allowed in a single day, calculated using the previous day’s highest equity or balance (whichever is higher). This resets every day at 5 PM EST.
Example 1
Highest equity on Monday: $100,000
Tuesday’s max loss = 4% of $100,000 = $4,000
You cannot fall below $96,000 at any point on Tuesday.
Example 2
Highest balance on Monday: $106,000
Tuesday’s max daily loss = 4% of $106,000 = $4,240
Breach occurs if equity falls below $101,760 on Tuesday.
Rule
This is the total allowed loss from your starting balance. If your equity or balance falls below this level, the account is breached.
Example 1
Starting balance: $100,000
Max overall loss = 10% = $90,000
Account is breached if balance/equity falls below $90,000 at any time.
Example 2
You reach $108,000 in profit | Drawdown limit remains fixed at $90,000 (based on starting balance) | If balance drops from $108,000 to $89,999 — the account breaches.
By Default
First reward: Available after 30 days
Second Reward: after 21 Days
Third Reward: after 14 Days
With Add-Ons
Bi-weekly Reward: 30 days for first, 14 days for following
Instant Funded
Xpips’s Instant Model gives you direct access to a live funded account — no evaluation phase, no challenges.
You begin trading immediately after purchase, with the ability to earn payouts on your performance and consistency.
Xpips Instant Model
Xpips’s Instant Model gives you direct access to a live funded account — no evaluation phase, no challenges.
Immediate Trading
You begin trading immediately after purchase, with the ability to earn payouts on your performance and consistency.
Live Market Conditions
All trading is done on live market conditions, and performance is monitored through strict risk management rules to maintain long-term trader and firm stability.
Trading Period
Unlimited
Minimum Trading Days
5 (0.5% Gain)
Profit Target
N/A
Max Overall Loss
6% (Trailing)
Max Daily Loss
3%
Expert Advisors
Allowed
Refundable Fee
Refunded on 5th Payout
Breach Consequence
Breaches result in the immediate and permanent closure of your account.
Breach Conditions
You will breach your Instant Funded account if: You exceed the 3% Daily Drawdown, You exceed the 6% Max Drawdown
Automatic Enforcement
These limits are enforced automatically and cannot be reversed.
Daily Drawdown Calculation
Your daily loss limit is calculated based on the previous day's highest equity or balance, whichever is higher. The limit is 3% below that amount. This resets daily at 5PM EST.
Example 1
Monday high equity: $108,000 | 3% of $108,000 = $3,240 | On Tuesday, your account must stay above $104,760
Example 2
Monday high balance: $102,000 | 3% of $102,000 = $3,060 | On Tuesday, your account must stay above $98,940
Trailing Drawdown Definition
This is a trailing drawdown, meaning it adjusts upward as your account grows — until your profits reach 6%, at which point it locks at breakeven.
Example 1
Start with $100,000 | Grow to $106,000 (6% profit) | Trailing drawdown locks at $100,000 | Your account cannot fall below this again
Example 2
Peak equity: $104,000 | 6% trailing = $97,750 | If equity drops below $97,750, the account is breached | This amount continues to trail until $106,000 is reached
None (Default)
First: 30 days, Then: every 30 days
Bi-weekly
First: 30 days, Then: every 14 days
Reward Eligibility
To be eligible for a reward, you must: Complete 5 trading days (Minimum trade duration rule: 2 minutes), Remain within drawdown and trade-risk rules, Meet the Consistency Rule (below)
Default Profit Split
Default: 65%
Consistency Rule Definition
If your best day exceeds this: You won’t be breached, but you can’t request a payout until your profits are more evenly distributed
$5K Account
Cost: $89
$10K Account
Cost: $149
$25K Account
Cost: $269
$50K Account
Cost: $479
$100K Account
Cost: $749.99
Leverage 1:50
Cost: +15%
Bi-weekly Payout
Cost: +25%
Margin Requirement
Margin should not go under 65%
Important Notes
Minimum trading time is 2 minutes per trade
Access – Pay After You Pass
Pay after pas (PAP) is Xpips’s 'pay-after-you-pass' model, made to reduce the upfront cost for traders while offering access to funded accounts.
Instead of paying the full fee upfront, traders only pay a small entry fee and complete the evaluation. The full fee is only paid once both steps are successfully passed.
Challenge Formats
Xpips offers two challenge formats:
2-Step Challenge: A traditional two-phase model with realistic profit targets and generous risk parameters.
1-Step Challenge: A simplified one-phase model for faster evaluation and fewer requirements.
Add-ons such as weekly payouts are available at checkout to customise your experience.
Stage Requirements
| Stage | Trading Period | Minimum Trading Days | Profit Target | Max Daily Loss | Max Overall Loss |
|--------|----------------|--------------------|---------------|----------------|-----------------|
| Step 1 | Unlimited | 3 | 6% | 5% | 10% |
| Step 2 | Unlimited | 3 | 3% | 5% | 10% |
| Funded | Unlimited | 3 | – | 3% | 6% |
Note: Minimum trading time is 2 minutes per trade.
Account Pricing
| Account Size | Phase 1 | Phase 2 | Funded Fee |
|--------------|---------|---------|------------|
| $5K | $5 | $5 | $78 |
| $10K | $5 | $5 | $138 |
| $25K | $5 | $5 | $278 |
| $50K | $5 | $5 | $418 |
| $100K | $5 | $5 | $788 |
| $200K | $5 | $5 | $1,478 |
Reset Pricing
| Account Size | Price |
|--------------|-------|
| $5K | $31.20 |
| $10K | $55.20 |
| $25K | $111.20 |
| $50K | $167.20 |
| $100K | $315.20 |
| $200K | $591.20 |
Available Add-Ons
| Add-On | Description | Cost |
|------------------------|--------------------------------------|------|
| Bi-weekly Payout | Allows payouts every 2 weeks | +25% |
| 100% Profit Split | Upgrade from 80% to full payout | +20% |
| Leverage 1:100 | Increase leverage up to 1:100 | +15% |
**Important Notes:**
- Minimum trading time is 2 minutes per trade
- All trading rules apply consistently across all stages
Hard Breach & Max Loss Rules
A hard breach occurs if you exceed the Maximum Daily Loss or Maximum Overall Loss. This results in immediate account closure during both evaluation and funded stages.
Max Overall Loss – Static
Xpips funded accounts use a static drawdown model, meaning your account’s breach level never moves, even if you’re in profit. The max loss is always calculated from the initial balance.
A breach happens if your balance or equity falls below 10% of the original account balance at any time — regardless of whether losses are closed or floating.
Example Breach Despite Being in Profit
You’ve been doing well and have grown your account to $107,000 in balance.
Initial Balance: $100,000 | Max Overall Loss (10% of initial balance): $10,000 | Breach Level: Still $90,000
Later, you take a high-risk trade and your equity dips to $89,800.
Even though you’re in overall profit, the breach level doesn’t move, and your account will be breached because equity has dropped below $90,000.
How It Works
Your daily drawdown limit is based on the previous day's highest balance or equity — whichever is higher. The limit resets daily at 5 PM EST.
Example 1
Account Size: $100,000 | Monday’s Highest Equity: $108,000 | Max Daily Loss (4%): $4,320 | Tuesday Breach Level: $103,680 | If your equity or balance falls below $103,680 at any point on Tuesday, the account is breached.
Example 2
Account Size: $100,000 | Wednesday’s Highest Balance: $100,500 | Max Daily Loss (4%): $4,020 | Thursday Breach Level: $96,480 | On Thursday, your account cannot drop below $96,480 — even during floating drawdown.
Stage Requirements & Pricing
| Stage | Minimum Trading Days | Profit Target | Max Daily Loss | Max Overall Loss | Consistency Rule |
|--------|--------------------|---------------|----------------|-----------------|-----------------|
| Step 1 | 0 | 6% | 4% | 7% | 50% |
| Funded | 3 days | 0 | 4% | 7% | 30% |
| Account Size | Price |
|--------------|-------|
| $5K | $78 |
| $10K | $168 |
| $25K | $308 |
| $50K | $458 |
| $100K | $868 |
| $200K | $1,678 |
Payout Requirements
Minimum of 3 trading days in the funded stage (with at least 0.5% profit per day) is required before requesting your first payout.
Profit splits are 85% by default. Payout schedules depend on selected add-ons: bi-weekly or monthly.
Overview
To keep trading fair, controlled, and sustainable for all funded traders, XPips applies the following consistency standards during the Funded Stage. These rules help promote stable behavior, reduce risk, and support long-term profitability.
1. Lot Size Stability Rule
At the time of your payout review, XPips calculates your average lot size based on all closed trades. This average establishes the acceptable trading range:
Upper Limit: Average lot size + 50%
Lower Limit: Average lot size – 50%
Example: If your average lot size is 10 lots, your allowed consistent range becomes: 5 lots (minimum) → 15 lots (maximum).
Trade Grouping Logic
To avoid artificially splitting positions:
All trades opened on the same pair within 30 seconds are grouped and counted as one position.
Example:
• 2 lots XAUUSD at 14:10:20
• 3 lots XAUUSD at 14:10:45
These count as a single 5-lot position.
Review & Adjustments
Trades that fall outside the acceptable range may:
• Be reviewed individually
• Be partially reduced from the final payout
• Be removed if deemed inconsistent
Formula Used:
Total lot volume ÷ number of closed positions = Average Lot Size
Then:
Minimum Allowed: Average × 0.50
Maximum Allowed: Average × 1.50
Note: Partial closes are treated as separate trades.
2. Daily Profit Concentration Rule (35% Rule)
To prevent excessive risk-taking during volatile sessions, XPips applies a 35% payout concentration limit.
What This Means:
On any given day:
• No single trade, or
• Total profit from trades within the same day
can represent more than 35% of your total payout potential.
Example
You earned $5,000 profit.
Your payout split is 80%, so your payout potential is:
$5,000 × 80% = $4,000
35% of $4,000 = $1,400
So:
If any individual trade OR the total profit of one trading day exceeds $1,400, that excess amount will be deducted from your payout.
Single Use Rule
Please note: ACCESS accounts are limited to single use per customer. Each customer may purchase one Step 1 and one Step 2 account only.
When do I pay the full fee?
Only after you successfully pass both evaluation phases.
Are Expert Advisors (EAs) allowed?
Yes, they are allowed across all stages.
Is there a difference in leverage across phases?
No, all Xpips accounts follow the same leverage model except add-ons.
