TX3 Funding is a CFD and Futures prop firm founded in 2021 and registered in Delaware and Saint Lucia. It offers four FX evaluation paths — One Phase, Two Phase Flex, Two Phase Pro, and Instant Standard — with accounts from $5,000 to $300,000 and a scaling path to $2M. The firm has paid over $29 million to more than 8,000 funded traders. Trustpilot sits at 3.5 out of 5 across roughly 4,300 reviews, which is below the industry average, and some traders have reported account terminations without a clear rule violation cited.
Rating Breakdown
Pros
- Four FX evaluation paths including instant funding
- On-demand payouts available on Two Phase Pro
- Fee refunded with first payout on all plans
- 24-hour payout guarantee with $1,000 penalty if delayed
- Scale to $2M allocation for consistent performers
- Futures division available (Rithmic, NinjaTrader, Tradovate)
- No time limits on evaluations
- EAs allowed on MT5 (excluding tick scalping and latency arb)
- News trading allowed (with caveats on exclusive macro-event trading)
- $29M+ paid to 8,000+ funded traders since 2021
Cons
- Trustpilot 3.5/5 — below the industry average of 4.2
- Reports of mass account terminations via “Section 16” clause
- Weekend positions auto-close on Pro without paid add-on
- Only MT5 and Match-Trader — no MT4, DXtrade, or TradingView
- Copy / signal trading from external sources prohibited
- Specific account fees and instrument count not publicly disclosed
- 30% consistency rule applies on One Phase funded accounts
- Rule changes reported without adequate trader notice
Account Plans and Pricing
Exact fees per account size are not published on a public pricing table. Verify current prices at checkout before committing.
One Phase Challenge Rules
| Evaluation type | One-step |
| Profit target | 8% |
| Time limit | None |
| Min. profitable days | 3 days (each day must show 0.5%+ profit) |
| Max drawdown | 6% trailing from highest balance |
| Daily loss limit | 3% of starting balance (resets 5 PM EST) |
| Consistency rule | 30% on funded account (no single day > 30% of total profit) |
| Profit split | 85% |
| First payout | After 3 trading days |
| Subsequent payouts | Every 3 days |
| Minimum payout | $100 |
| Fee refund | Returned with first payout |
Two Phase Flex Challenge Rules
| Evaluation type | Two-step (Phase 1 + Phase 2) |
| Phase 1 profit target | 10% |
| Phase 2 profit target | 5% |
| Time limit | None |
| Min. profitable days | 3 days per phase (each day must show 0.5%+ profit) |
| Max drawdown | 10% static |
| Daily loss limit | 5% of starting balance (resets 5 PM EST) |
| Profit split | 80–85% |
| First payout | After 10 trading days, minimum 2% profit |
| Subsequent payouts | Every 5 days |
| Fee refund | Returned with first payout |
Two Phase Pro Challenge Rules
| Evaluation type | Two-step (Phase 1 + Phase 2) |
| Phase 1 profit target | 8% |
| Phase 2 profit target | 5% |
| Time limit | None |
| Min. profitable days | 4 days per phase |
| Max drawdown | 8% static |
| Daily loss limit | 5% of starting balance (resets 5 PM EST) |
| Consistency rule | 40% consistency required before first payout; 3% loss limit per overlapping trade group in funded stage |
| Profit split | Up to 90% |
| First payout | On demand (after 40% consistency and 2% minimum profit achieved) |
| Subsequent payouts | On demand |
| Fee refund | Returned with first payout |
Payouts
| First payout (One Phase) | After 3 trading days |
| First payout (Flex) | After 10 trading days with 2% minimum profit |
| First payout (Pro) | On demand after 40% consistency + 2% minimum profit |
| First payout (Instant Standard) | After 7 trading days |
| Payout guarantee | 24-hour processing; $1,000 compensation if delayed beyond 24 hours |
| Profit split | 80% (Instant/Flex base) to 90% (Pro) |
| Fee refund | Returned with first payout (previously third payout — updated policy) |
| KYC required | Yes, before first payout |
| Payout methods | Wise, crypto (BTC, ETH, USDC), bank transfer, ACH, Plane |
| Verified total paid | $29M+ to 8,000+ funded traders |
Trading Conditions
| Platforms (FX) | MT5, Match-Trader (web-based) |
| Platforms (Futures) | Rithmic, NinjaTrader, Tradovate, Finamark, Quantower |
| Instruments | Forex, indices, commodities (specific count not publicly disclosed) |
| Leverage | Not publicly disclosed |
| News trading | Allowed; trading exclusively around macro releases flagged as a risk exploit |
| Expert Advisors | Allowed on MT5 (no tick scalping, no latency arbitrage) |
| Overnight holding | Allowed |
| Weekend holding | Pro: positions auto-close Friday 3 PM EST without weekend add-on; add-on available |
| Copy / signal trading | External signal/copy trading prohibited |
| HFT / tick scalping | Prohibited (minimum trade duration 1–2 minutes expected) |
| Martingale | Prohibited |
| Grid trading across accounts | Prohibited |
| Scaling plan | Up to $2M allocation for consistent profitable traders |
Our Verdict
TX3 Funding has been around since 2021 and has a credible track record of paying out — over $29 million to more than 8,000 traders is a real number that puts it in the same ballpark as many established firms. The four-challenge structure gives traders meaningful choice: the One Phase suits traders who want a straightforward single-target path with fast payouts every three days; the Flex suits those who prefer wider drawdown room; the Pro is the best-structured option for experienced traders who want on-demand access to profits; and the Instant Standard removes the evaluation entirely for traders willing to pay a higher entry fee.
The payout infrastructure is one of the stronger points. The 24-hour processing guarantee with a $1,000 compensation clause if it slips is unusual in this space and adds accountability. Fee refunds are now returned on the first payout rather than the third, which is a meaningful improvement. Payment methods cover Wise, major cryptos, ACH, and bank transfer.
The consistency rule on One Phase funded accounts is worth understanding before you start. No single trading day can account for more than 30% of your total cumulative profit. If you hit a strong day early, every session that follows needs to add meaningful profit to keep the ratio in check. Use our consistency calculator before your first payout request.
The platform selection is a meaningful limitation. MT5 and Match-Trader is a functional combination, but the absence of MT4, DXtrade, and TradingView narrows the field for traders who have built strategies on those tools. Firms like FXIFY offer four platforms under one roof. If platform choice is important to your workflow, TX3 Funding is a step behind the top tier.
The most serious concern here is the Trustpilot picture. A 3.5 out of 5 from over 4,300 reviews is below the industry average of around 4.2. More specifically, multiple traders have reported receiving identical “Section 16 termination” emails — suggesting mass account closures without specific rule violations cited. Rule changes without adequate notice have also been raised repeatedly. These are not isolated complaints and they deserve weight in any assessment of this firm.
TX3 Funding is a functional option for traders who want a futures division alongside FX, or who value the 24-hour payout guarantee. It is not in the top tier right now. The Trustpilot score and termination complaints are material red flags that you should research thoroughly before committing capital. If payout reliability and account security are your primary concern, there are better-rated firms available in the same fee range.
Frequently Asked Questions
Is TX3 Funding a legitimate prop firm?
TX3 Funding has operated since 2021, is registered in Delaware and Saint Lucia, and has paid out over $29 million to more than 8,000 funded traders. It is not regulated by a financial authority, which is standard across the prop firm industry. Its Trustpilot score of 3.5 out of 5 is below average and includes reports of mass account terminations under a broad “Section 16” contractual clause. It is operating and paying traders, but carries more reputational risk than the top-rated firms in the space.
What FX challenges does TX3 Funding offer?
TX3 Funding offers four FX evaluation paths. The One Phase requires 8% profit, has a 6% trailing drawdown, and allows payouts from day three. The Two Phase Flex requires 10% then 5% with a 10% static drawdown and payouts from day ten. The Two Phase Pro requires 8% then 5% with an 8% static drawdown and on-demand payouts. The Instant Standard skips the evaluation entirely and requires seven trading days before the first payout. All accounts run from $5,000 to $300,000.
What is the TX3 Funding drawdown rule?
Drawdown rules vary by challenge. The One Phase uses a 6% trailing drawdown that rises with your highest balance. Two Phase Flex uses a 10% static maximum drawdown. Two Phase Pro uses an 8% static maximum drawdown. Daily loss limits are 3% on One Phase and 5% on Flex and Pro. All daily loss limits reset at 5 PM EST each trading day. The daily limit is calculated on your initial account balance, not your current equity.
What platforms does TX3 Funding support?
TX3 Funding FX accounts use MT5 and Match-Trader. Match-Trader is a web-based platform that works on any device without needing installation, which is useful for traders who work from multiple locations. There is no MT4, DXtrade, or TradingView support on FX accounts. The Futures division uses Rithmic, NinjaTrader, Tradovate, Finamark, and Quantower.
Are Expert Advisors allowed at TX3 Funding?
EAs are permitted on MT5. Prohibited automated strategies include tick scalping, latency arbitrage, reverse arbitrage, and HFT with abnormally high trade frequency per hour. The minimum expected trade duration is one to two minutes. Martingale, grid trading across multiple accounts, and external signal or copy trading are also prohibited. If your EA uses standard algorithmic logic without exploiting execution gaps, it will generally be permitted.
Ready to try TX3 Funding?
Four FX challenge types. MT5 and Match-Trader. Scale to $2M. 24-hour payout guarantee.
Visit TX3 Funding →