Forex / CFD prop trading · Evaluation accounts · Source review:

Four current MT5 models: 1-Step, 2-Step, Instant and Sprint. Static evaluation limits contrast with an equity high-water-mark floor on Instant; Sprint is a 24-hour, single-payout account. Founded in 2025, AIFO still has a short operating history.

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40% off eligible challenges; separate from standard USD fees dated 2026-10-23. Confirm checkout eligibility.

Best for

  • MT5 traders choosing between static-loss evaluations, immediate-access Instant accounts and a short-duration Sprint.

Avoid if

  • You need a long payout record, or cannot accommodate the Instant consistency test or Sprint time and position restrictions.
Starting Price
$79
Profit Split
70%–95%, model dependent
Challenge Types
4
Platforms
MT5
Standard Pricing
USD · 23 October 2026
Payouts
Model dependent

Rating breakdown

Six areas behind our 6.4 / 10 verdict.

Challenge Rules7.0
Payouts5.5
Cost6.0
Platform7.0
Support7.0
Transparency6.5

Editorial category assessment weighted 20% rules, 20% payouts, 20% cost, 15% platform, 10% support, 15% transparency; arithmetic rounded to one decimal. How we review firms

Plans & pricing

Evaluation fee, not an account deposit. Listed prices are before promotions unless stated. Check the current contract and checkout.

1-Step

$89 from · one-time fee

$10K account
$89
$25K account
$189
$50K account
$299
$100K account
$489
$200K account
$899

Standard USD fee as of 2026-10-23, before promotions. 80% default split; scaling can reach 95%. Daily loss uses the higher previous-day closing balance or equity.

2-Step

$79 from · one-time fee

$10K account
$79
$25K account
$169
$50K account
$259
$100K account
$449
$200K account
$849

Standard USD fee as of 2026-10-23, before promotions. 80% default split; scaling can reach 95%. Daily loss uses the higher previous-day closing balance or equity.

Instant

$129 from · one-time fee

$10K account
$129
$25K account
$289
$50K account
$419
$100K account
$699

Standard USD fee as of 2026-10-23, before promotions. 70% default split, up to 95% through scaling. Floating loss per trade must not exceed 2% of initial balance. On $100K, the floor starts at $95K, rises to $97K at $102K equity, and locks at $100K once equity reaches $105K.

Sprint

$149 from · one-time fee

$10K account
$149
$25K account
$329
$50K account
$599

Standard USD fee as of 2026-10-23, before promotions. Separate 24-hour challenge. First trade must occur within 48 hours of purchase and starts the clock and fixes the sole instrument. One open position at a time and one active Sprint account per user. Static loss limit 2%; floating loss must not exceed 1% of initial balance; no daily loss limit. Largest winning trade must be strictly <20% of total profit. Settlement net profit >=3% and <6% earns 90%; closed net profit >=6% earns 95%. At 6%, early settlement is allowed after closing all positions; trading then stops. Reaching 6% earlier does not lock the tier if later profit falls. Request payout within 30 days after settlement, with all positions closed, KYC completed and no violations or pending reviews. One payout only, then permanent account closure. Processing within 1 business day excludes additional compliance or account checks.

Account rules

Profit target
10%
Daily loss
3%
Maximum drawdown
6% static
Consistency & days
2 trading days; no consistency requirement

Standard USD fee as of 2026-10-23, before promotions. 80% default split; scaling can reach 95%. Daily loss uses the higher previous-day closing balance or equity.

Trading conditions, eligibility & operator
1-Step · Standard USD fees (2026-10-23)
$10K: $89 · $25K: $189 · $50K: $299 · $100K: $489 · $200K: $899
2-Step · Standard USD fees (2026-10-23)
$10K: $79 · $25K: $169 · $50K: $259 · $100K: $449 · $200K: $849
Instant · Standard USD fees (2026-10-23)
$10K: $129 · $25K: $289 · $50K: $419 · $100K: $699
Sprint · Standard USD fees (2026-10-23)
$10K: $149 · $25K: $329 · $50K: $599
Daily-loss calculation
1-Step 3%, 2-Step 5%, Instant 3% of the higher previous-day closing balance or equity; floating and realized P&L count.
Maximum-loss floors
1-Step 94% and 2-Step 90% of initial capital, static. Instant: min(initial balance, equity HWM minus 5% of initial capital), not 5% of changing HWM.
Historical accounts
Accounts purchased before 2026-09-01 retain the challenge parameters displayed on their Dashboard. These current rules do not rewrite historical account contracts.
Platforms
MT5
Eligibility
Check current restricted-country list, KYC requirements and agreement before purchase.
Expert Advisors
Compliant EAs are allowed only on 1-Step and 2-Step challenges and their corresponding funded accounts, not blanket permission across models. Publicly available, shared or identical third-party strategies, challenge-passing bots, and abusive or exploitative activity are restricted.
Products and leverage
2-Step: forex up to 1:100, indices 1:50, commodities/metals 1:30. Other models: forex 1:30, metals/indices 1:10. Simulated stocks 1:5, BTC 1:2 and other crypto 1:5. AIFO may reduce leverage for excessive risk.
Sprint restrictions
Separate 24-hour challenge. First trade must occur within 48 hours of purchase and starts the clock and fixes the sole instrument. One open position at a time and one active Sprint account per user. Static loss limit 2%; floating loss must not exceed 1% of initial balance; no daily loss limit. Largest winning trade must be strictly <20% of total profit.
Sprint weekends and holidays
Close all positions before weekends and public holidays, except crypto. The 24-hour countdown continues while markets are closed.
Company and support
Founded in 2025. Customer support available 24/7.

Payout policy & conditions

Default profit split
1-Step and 2-Step: 80%. Instant: 70%. Scaling can increase these to 95%. Sprint: 90% standard, 95% enhanced.
Evaluation payout cycle
Eligible 1-Step and 2-Step accounts: every 14 days, or on demand with the applicable purchased add-on; no mandatory payout buffer.
Instant payout eligibility
On demand when eligible; highest profit day strictly <20% of payout-period profit. Instant only: retain 2% of initial account balance as a payout buffer to keep the account active, or withdraw eligible profit and permanently close the account. It does not apply to 1-Step/2-Step.
Minimum payout
$100; account-specific eligibility conditions apply.
Processing
Normally 1-3 business days; bank transfers may take another 2-3 business days. Sprint: within 1 business day, excluding further account or compliance checks.
Sprint settlement
Settlement net profit >=3% and <6% earns 90%; closed net profit >=6% earns 95%. At 6%, early settlement is allowed after closing all positions; trading then stops. Reaching 6% earlier does not lock the tier if later profit falls. Request payout within 30 days after settlement, with all positions closed, KYC completed and no violations or pending reviews. One payout only, then permanent account closure. Processing within 1 business day excludes additional compliance or account checks.
Scaling
Each advancement requires 4 consecutive compliant months with no violations or account failures: at least 4 successful payouts for Level 1, 6 successful payouts for Level 2 after Level 1, and 10 successful payouts for Level 3 after Level 2. Account size doubles at each advancement, capped at $2,000,000. Split rises to 90% at Level 1 and 95% at Level 3. No paid add-on is needed for scaling. Each level increases daily and maximum loss limits by 1%; Level 2 adds weekly payouts, Level 3 on-demand payouts from $100 and one same-level free retry if the account fails.

Evidence & company

FAQ rules take priority

Individual FAQs updated 1 September 2026 distinguish static 1-Step/2-Step losses from Instant equity-HWM trailing losses. The Instant allowance is 5% of initial capital, with the floor capped at initial balance.

Historical account protection

Accounts purchased before 2026-09-01 retain the challenge parameters displayed on their Dashboard. These current rules do not rewrite historical account contracts.

Pricing and promotions are separate

Tables show standard USD fees checked 23 October 2026, not coupon-adjusted prices. Temporary offers have separate eligibility and expiry; verify checkout. Retired formats are not presented as current-sale products.

Model rules checked separately

EA permissions apply to compliant 1-Step/2-Step accounts and corresponding funded accounts. Instant buffer, Sprint settlement and scaling have separate conditions. Founded 2025; support 24/7 follows supplied company correction.

Sources

Compare alternatives

Frequently asked questions

Which AIFO models are currently offered?

1-Step, 2-Step, Instant and Sprint. Prices shown are standard USD fees as of 2026-10-23, before promotions.

Does Instant use a static drawdown?

No. Its floor trails the highest historical equity by 5% of initial capital and stops rising at initial balance. It never falls when equity falls.

What is the Instant consistency rule?

Highest profit day must be strictly less than 20% of payout-period profit. This is not an evaluation consistency requirement on 1-Step or 2-Step.

Do current rules replace older account rules?

Accounts purchased before 2026-09-01 retain the challenge parameters displayed on their Dashboard. These current rules do not rewrite historical account contracts.

How does Sprint differ?

Separate 24-hour challenge. First trade must occur within 48 hours of purchase and starts the clock and fixes the sole instrument. One open position at a time and one active Sprint account per user. Static loss limit 2%; floating loss must not exceed 1% of initial balance; no daily loss limit. Largest winning trade must be strictly <20% of total profit. Settlement net profit >=3% and <6% earns 90%; closed net profit >=6% earns 95%. At 6%, early settlement is allowed after closing all positions; trading then stops. Reaching 6% earlier does not lock the tier if later profit falls. Request payout within 30 days after settlement, with all positions closed, KYC completed and no violations or pending reviews. One payout only, then permanent account closure. Processing within 1 business day excludes additional compliance or account checks.

Are EAs allowed on every AIFO model?

Compliant EAs are allowed only on 1-Step and 2-Step challenges and their corresponding funded accounts, not blanket permission across models. Publicly available, shared or identical third-party strategies, challenge-passing bots, and abusive or exploitative activity are restricted.

How does the Instant payout buffer work?

Instant only: retain 2% of initial account balance as a payout buffer to keep the account active, or withdraw eligible profit and permanently close the account. It does not apply to 1-Step/2-Step.

How does scaling work?

Each advancement requires 4 consecutive compliant months with no violations or account failures: at least 4 successful payouts for Level 1, 6 successful payouts for Level 2 after Level 1, and 10 successful payouts for Level 3 after Level 2. Account size doubles at each advancement, capped at $2,000,000. Split rises to 90% at Level 1 and 95% at Level 3. No paid add-on is needed for scaling. Each level increases daily and maximum loss limits by 1%; Level 2 adds weekly payouts, Level 3 on-demand payouts from $100 and one same-level free retry if the account fails.

When was AIFO founded and when is support available?

Founded in 2025; support available 24/7.

Before you choose AIFO

Match the loss limits, payout conditions and eligibility to how you trade. Read the firm’s current agreement before paying.

40% off eligible challenges; separate from standard USD fees dated 2026-10-23. Confirm checkout eligibility.

Visit AIFO

Independent editorial review. Affiliate links may pay us a commission, not a better score. Prop trading involves risk; evaluation fees can be lost. Not financial advice.