Apex Trader Funding vs FXIFY: Compared Rule by Rule for 2026
The comparison between Apex Trader Funding and FXIFY keeps surfacing in trader forums for the same reason: they overlap on marketing but diverge sharply on the mechanics that actually decide payouts. Apex Trader Funding focuses on CME futures instruments via Rithmic and Tradovate, while FXIFY covers the broader multi-asset offering. That alone makes them shortlisted together only when a trader is choosing an asset class rather than a firm. On the numbers that matter, Apex Trader Funding prices its 100K challenge at ~"67 one-time, roughly a hundred dollars below FXIFY, and Apex Trader Funding uses a trailing drawdown while FXIFY runs a static one.
Side-by-side comparison
| Rule | Apex Trader Funding | FXIFY |
|---|---|---|
| Markets | Futures (CME) | Forex, Indices, Metals, Crypto, Oil |
| Audited variants | 2 on watchlist | 9 |
| Evaluation | 1-Step | 1, 2 or 3-Step |
| Account sizes | $25K to "50K | $2.5K to $400K |
| Fee (100K) | ~"67 one-time (promos to ~$30) | ~$489 |
| Profit split | 100% (flat — Apex 4.0) | 75 to 90% (100% on 2-Phase Classic) |
| Max drawdown | Trailing ($3K on 100K) | 6 to 10% (configurable) |
| Drawdown type | Trailing | Static |
| Daily loss | None | 4% |
| Consistency rule | 50% | None on standard |
| Min trading days | 5 | 0 with add-on, 3 default |
| Payout speed | 3 to 5 days | 24 hours |
| Payout frequency | Weekly (2x/month) | On-demand from day 1 |
| News trading | Allowed | Allowed |
| EAs / bots | Allowed | Allowed |
| Weekend holding | Not allowed | Allowed |
| Scaling cap | 6 payouts per PA | $4M |
| US traders | Yes | Yes (most products) |
| Trustpilot | 4.3 (17,860+) | 4.4 (6,800+) |
| Value score | 84 | 85 |
Verdict
Pick Apex Trader Funding if you want US futures on Rithmic or Tradovate rather than spot FX, or the ~"67 one-time entry fee at the 100K tier changes your break-even maths. Pick FXIFY if you want MT4, MT5 or cTrader access to forex, indices and metals, or trading without a consistency rule matches how you actually size positions. The realistic decision comes down to which of the two rule sets you will still respect after a losing week.
Heads up: Apex Trader Funding has announced model changes in the past 90 days. We re-audit watchlisted firms every 7 days; double-check the live rules page before purchasing.
Apex Trader Funding strengths
Flat 100% profit split, one-time eval fee, large funded account base, simplified rule set
Apex Trader Funding weaknesses
Trailing drawdown, 6 payouts per PA cap, $85/month PA fee, ongoing Riot v. Apex litigation
FXIFY strengths
Fully configurable challenge, on-demand payouts from day one, no consistency rule on standard, UK-based
FXIFY weaknesses
Add-on pricing can balloon the entry fee, newer firm without long payout track record, no futures