Last reviewed and fact-checked: September 1, 2026
Five challenge formats on MT5, an 80% base split that upgrades to 90%, and a 40% discount code. Early sentiment is positive on a short track record.
◎ Best for
MT5 traders who want to pick their own pace across five challenge formats, from a slow 3-step to a 24-hour Lite challenge, with a split that can reach 95%.
⚠ Avoid if
You want the advertised split without paying extra. The 90% split and on-demand payouts are paid add-ons, and the firm only launched in 2026, so the payout history is short.
How AIFO Scores
- AIFO pays an 80% profit split by default, upgradeable to 90% with a paid add-on, and 95% on Lite accounts. Paid split upgrades are a common structure across this category rather than unique to AIFO.
- AIFO runs on MT5, a platform most CFD traders already know, rather than a proprietary interface.
- AIFO offers five distinct challenge formats, from a slower 3-Step evaluation to a 24-hour Lite challenge, so a trader can match the format to how they trade.
- AIFO pairs its challenges with an education hub, mindset coaching and an AI coach, and early independent sentiment rates the structure and support well.
- AIFO allows overnight and weekend positions on its standard challenge types and permits Expert Advisors on four of the five formats.
- AIFO reported more than $750,000 paid to traders by July 2026, and pays every 14 days from a $200 minimum via crypto or bank transfer.
- The PropFirmReviews code PFR40 takes 40% off the challenge fee, among the larger live discounts in this category.
- AIFO launched in 2026 and has a short track record. Independent review volume is still in the low double digits, so the payout history is thin rather than absent.
- AIFO spreads its profit split across three figures depending on where a trader looks: 80% by default, 90% with a paid add-on, 95% on Lite, and a 70% to 95% scaling ladder on the payout page.
- AIFO charges a separate 10% add-on for payout on demand on the 1-Step, 2-Step and 3-Step challenges, so faster payouts are a purchase rather than the default.
- AIFO Instant accounts are priced steeply against the capital offered, at $651.75 for a $100,000 Standard account after discount.
- AIFO shows the Instant account consistency requirement only as 25%|30% on the pricing table and does not explain what either figure means anywhere on that page.
- AIFO Lite locks a trader into a single tradable instrument from the first trade placed, pays out once, and leaves no ongoing funded account afterward.
AIFO Account Plans
Lowest fee
Prices are AIFO’s discounted one-time fees as of August 2026, before code PFR40. The split upgrade to 90% and payout on demand are separate paid add-ons.
1-Step, All Sizes
| Starting Capital | $10,000 · $25,000 · $50,000 · $100,000 · $200,000 |
| Challenge Fee (discounted) | $66.75 · $134.25 · $269.25 · $434.25 · $929.25 |
| Daily Drawdown | 3%, all sizes |
| Max Drawdown | 5%, all sizes |
| Profit Target | 8%, single phase |
| Min. Trading Days | 3 days |
| Payout Period | Every 14 days |
2-Step & 3-Step, All Sizes
| Starting Capital | $10,000 to $200,000, five tiers on both |
| 2-Step Fee (discounted) | $81.75 · $164.25 · $269.25 · $441.75 · $936.75 |
| 3-Step Fee (discounted) | $51.75 · $111.75 · $224.25 · $344.25 · $681.75 |
| 2-Step Targets | 5% Phase 1, 8% Phase 2. Max drawdown 8% |
| 3-Step Targets | 3% Phase 1, 3% Phase 2, 5% Phase 3. Max drawdown 5% |
| Daily Drawdown | 3% on both |
| Min. Trading Days | 3 days on both |
Instant & Lite
| Instant Standard | $100,000 at $651.75. 2% daily and 4% max drawdown |
| Instant Elite | $100,000 at $561.75, $200,000 at $899.25 |
| Instant Consistency Score | 25%|30%, not explained on the pricing page |
| Instant Max Floating Loss | 2% per trade |
| Lite Sizes | $10,000 · $25,000 · $50,000 at $111.75 · $246.75 · $449.25 |
| Lite Window | 24 hours from the first trade placed |
| Lite Instrument Rule | The first trade locks the only tradable instrument |
| Lite Payout | 90% split for 3% to under 6% net profit, 95% at 6% or more. One payout only |
Profit Split & Add-Ons
| Base Profit Split | 80% on the standard challenge accounts. 95% on Lite accounts |
| 90% Profit Split | Paid add-on on the standard challenges |
| Payout on Demand | Paid add-on, plus 10% on the challenge fee |
| Published Split Ladder | Starts at 70% and rises to 95% across a scaling curve on the AIFO payout page |
| Payout Period, Standard | Every 14 days on the evaluation challenges |
| Payout Period, Instant | On demand once withdrawal conditions are met |
Trading Conditions & Company
| Platform | MT5 |
| Leverage | Forex 1:30, metals and indices 1:10, stocks 1:5, Bitcoin 1:2, other crypto 1:5 |
| Expert Advisors | Allowed on 1-Step, 2-Step, 3-Step and AIFO Standard |
| Overnight & Weekend | Allowed on the standard challenge types |
| Restricted Countries | Includes the United States, Iran, North Korea, Syria, Cuba, Russia, Bangladesh, Belarus, Sri Lanka and Fiji. Confirm current eligibility with AIFO support |
| KYC | ID and proof of address may be requested |
| Registered Address | Boulevard de Coalancanthe, Mutsamudu, Anjouan, Union of Comoros |
| Trustpilot | No usable rating. 28 reviews shown, 68% at exactly three stars |
| Current Coupon | PFR40, 40% off |
The Verdict on AIFO
AIFO is a multi-asset CFD prop firm trading forex, gold, indices, stocks and crypto on MT5. AIFO runs five challenge formats, 1-Step, 2-Step, 3-Step, Instant and a 24-hour Lite challenge, across account sizes from $10,000 to $200,000. Discounted fees run from $51.75 for a 3-Step $10,000 account up to $936.75 for a 2-Step $200,000 account, before the PropFirmReviews code PFR40 takes a further 40% off.
AIFO pays an 80% profit split by default, 90% with a paid add-on, and 95% on Lite accounts. Paid split upgrades are a normal structure in this category rather than something unique to AIFO, so PropFirmReviews does not treat the upsell itself as a mark against the firm. What is worth knowing before buying is that the split appears as three different figures depending on the page, since the AIFO payout page also publishes a 70% to 95% scaling ladder. Confirm which structure applies to the specific account being purchased.
AIFO pays every 14 days from a $200 minimum via crypto or bank transfer, and reported more than $750,000 paid to traders by July 2026. Independent coverage puts AIFO at 3.3 out of 5 across a small review base, with sentiment described as generally positive on the account structure and the support systems. That is a genuine early signal rather than a proven record: AIFO launched in 2026 and the independent review volume is still in the low double digits.
The underlying product holds up on the things a trader can check directly. Drawdown figures are published per account size, phase targets are stated clearly, position size caps are listed by instrument class, Expert Advisors are permitted on four of the five formats, and overnight and weekend positions are allowed. AIFO also puts real weight behind trader development with an education hub, mindset coaching and an AI coach, which is where early sentiment is warmest.
AIFO scores 6.5 out of 10 on our six dimension model. Payout Reliability at 6.0 and Transparency at 6.0 reflect a short history rather than any documented failure: PropFirmReviews found no reports of denied or reversed payouts at AIFO. Two specifics still deserve a check before paying. The Instant accounts carry a consistency requirement shown only as 25%|30% with no explanation on that page, and Instant pricing is steep against the capital. The Lite challenge locks a trader to one instrument from the first trade and pays out once, so treat it as a one-shot product rather than a route to sustained funding. Buy the base account with PFR40 if the format suits, and price any add-ons into the total before committing.
Questions Traders Ask About AIFO
Is there an AIFO coupon code or discount code?
Yes. PropFirmReviews has an active AIFO coupon, code PFR40, for 40% off any AIFO challenge. Apply it on the AIFO checkout page before completing payment. Note that the 40% applies to the challenge fee, and the 95% profit split and payout on demand add-ons are priced as a percentage of that fee.
What is the AIFO profit split?
AIFO pays 80% by default on a standard challenge account, 90% with a paid add-on, and 95% on Lite accounts. The AIFO payout page separately publishes a ladder starting at 70% and rising to 95% across a scaling curve, so the figure differs by page. Confirm which structure applies to the specific account being bought.
Does AIFO charge extra for faster payouts?
Yes. Payout on demand is a paid add-on costing an extra 10% on the challenge fee for the 1-Step, 2-Step and 3-Step challenges. Instant accounts get payout on demand without the add-on once the withdrawal conditions are met. Standard evaluation challenges otherwise pay every 14 days.
Is AIFO legit?
AIFO is a real, operating CFD prop firm running on MT5, with a published address in Anjouan, Union of Comoros. Like most firms in this category, AIFO does not carry a financial regulator, since prop firms run simulated evaluations rather than managing client investment funds. AIFO reported over $750,000 paid to traders by July 2026, and PropFirmReviews found no reports of denied or reversed payouts. The main caveat is age: AIFO launched in 2026 and the independent review base is still small.
What is AIFO Lite?
AIFO Lite is a 24-hour challenge on $10,000, $25,000 and $50,000 accounts. The first trade a Lite trader places locks in the only tradable instrument for the rest of the challenge, and trading a different instrument counts as a violation. Lite pays out once, at a 90% split for 3% to just under 6% net profit or 95% at 6% or more, and leaves no ongoing funded account.
Which countries are restricted from using AIFO?
AIFO restricts access for residents of a number of countries, including the United States, Iran, North Korea, Syria, Cuba, Russia, Bangladesh, Belarus, Sri Lanka and Fiji, drawn from AIFO’s own site. Restricted lists change over time, so confirm current eligibility directly with AIFO support before registering.
⚠ Prop trading risk
Challenge fees are money at risk. Most participants never reach a payout, and funded accounts are usually simulated capital rather than live funds. Rules and pricing can change at any time, so confirm them on the firm’s own site before you pay. Nothing in this review is financial advice.