Challenge rules

The Rules — full ruleset

You trade manually on your MT5 platform with PU Prime. Our platform monitors your Myfxbook portfolio in real time and enforces the rules below. Breaching any hard rule automatically fails the account.

Core risk rules

Daily drawdown rule

Keep daily equity drawdown within 6% of the day’s equity peak. Open positions count; the day resets at 00:00 UTC+3.

Max drawdown rule

The account must not fall 10% below its initial balance. This limit is static and does not trail.

Profit target rule

1-Step: +8%. 2-Step: +5% in each step. Funded accounts have no profit target.

ANTI-GAMBLING RULES

Consistent, responsible trading on Funded accounts.

EFFECTIVE OCTOBER 19, 2026

00:00 UTC+3

Published 2026-10-18

FUNDED ACCOUNTS ONLY — existing and new

Applies to trades opened from October 19, 2026, 00:00 UTC+3. Challenge, Evaluation, Phase 1, Phase 2 and Demo accounts are excluded. Earlier entries are not re-evaluated.

1

MAXIMUM TRADE RISK
& PROFIT LIMIT

A single trade must not exceed 2% of the initial account balance in potential risk or realised net profit.

HARD RULE — The first violation immediately and permanently marks the account as BREACHED. No warning.

2

LOT SIZE CONSISTENCY
2× PREVIOUS AVERAGE

Each new trade may use at most 2× the average lot size of ALL previously closed trades opened from October 19, 2026, 00:00 UTC+3 on that Funded phase — not just the last five.

First confirmed violation: WARNING. Second confirmed violation: BREACHED.

What Is Considered Gambling in Trading?

Trading without a clear strategy or proper risk management. Reviews consider the entire account history up to the payout request, not isolated trades.

High-impact news events — HARD RULE

No new entries within 5 minutes of a high-impact news event

Do not open trades within 5 minutes before or after high-impact news. Existing positions may be held through the event. Applies to all phases.

Open positions rule

Max 3 open positions at a time

No more than 3 positions may be open at the same time across all instruments.

Stop-loss rule

Every trade needs a stop-loss — now with 5 minutes to set it

Set a broker-visible stop-loss within 5 minutes of opening each trade. First violation: warning; second: breach.

Minimum trade duration

Minimum holding time: 60 seconds (Phase 1 EA exception below)

Each trade must meet the minimum holding time for your account. Phase 1 accounts with the purchased EA add-on are exempt from the standard 60-second minimum.

Consistency rule

40% consistency rule

One closed trade or one trading day must not exceed 40% of the phase’s profit target. Funded reference: 8% for 1-Step, 5% for 2-Step.

Warning / flag policy

1st soft violation = warning · 2nd soft violation = account burned

Hard rules: immediate breach. Soft rules: first warning, second breach. A warning also affects the next payout.

Account lifecycle rules

Phase 1 — Challenge

Complete the challenge within its drawdown limits and minimum trading-day requirement. No time limit.

Phase 2 — Verification

Reach +5%, with at least 3 trading days, while respecting the drawdown limits. No time limit.

Funded account

No profit target. Drawdown limits and Funded-only rules continue to apply.

Inactivity — 60 days without a trade

An account with no trade for 60 consecutive days is considered inactive and is permanently deactivated — the account and any remaining balance are lost.

Funded account rules (only apply once funded)

The following rules apply only after you become a funded trader. They are not enforced on Phase 1 or Phase 2 accounts. Breaching any of them will mark the account as breached and may result in loss of funding status.

Forbidden on funded

Funded accounts have additional restrictions on overnight positions, weekend holds, trade duration and copy trading.

How we enforce it

Trade history is reviewed for compliance with Funded rules and the applicable consistency limits.

Payout rules

Profit split

First payout: 50/50. From the second payout: 80/20 in your favour.

Schedule & methods

First payout: +5% profit and a 14-day wait, or 7 days with the fast-payout add-on. Eligibility and identity checks apply.

Strategy rules — allowed & forbidden

Allowed strategies

Manual trading, scalping, day and swing trading are allowed within the rules for your account phase.

Forbidden strategies

Trading exploits, prohibited hedging and coordinated trading are not allowed. EA and copy-trading permissions depend on the phase and add-ons.

Monitoring & enforcement rules

How we monitor

Read-only MT5 data is synced through Myfxbook to check equity, balance and trading history.

What fails an account

Hard-rule breaches, prohibited strategies, account sharing or manipulated trading data can fail an account.

Account & general rules

Account rules

Multiple challenges and Funded accounts are allowed. Credentials are issued after order approval.

Leverage & instruments

Trade FX, metals, indices, crypto and commodities with the applicable leverage. Single-stock CFDs are excluded.

Important

The rules above are the full ruleset enforced by InsaneFunding. If you have any doubt before placing a trade — ask support first. Once a hard rule is breached, the account is locked and cannot be restored.

Disclaimer

Important notice
  • All evaluation and challenge accounts are simulated/demo accounts. No real capital is traded until a trader is moved to a funded live account.
  • Payouts are never discretionary. A payout can only be rejected for one of the reasons listed on our transparency report — a breached hard rule (daily or max drawdown, consistency), unmet eligibility, a prohibited strategy, an overnight-window violation, an identity mismatch, or invalid payout details. Nothing outside that list is used to refuse a payout.
  • InsaneFunding accepts no liability for trading losses, platform downtime, data delays, or decisions made by traders. Rules may be updated for future accounts, but changes are never applied retroactively to an account that has already been purchased, and no payout is withheld for a reason outside the published rejection list.