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
Max 5% drop measured per calendar trading day (00:00–00:00 GMT+3) against equity (day peak → low). The daily counter resets to zero at 00:00, so every new day starts fresh. Open positions count — floating PnL on live trades is part of equity, so an unrealised loss can breach the rule even before the trade is closed.
Max drawdown rule
Max 10% drop from the initial balance at any point. Static — does not trail.
Profit target rule
8% in Phase 1, 5% in Phase 2. Funded accounts have no profit target.
High-impact news events — HARD RULE
No trading during restricted high-impact news events
Trading during restricted high-impact news events is strictly forbidden on all account phases — Phase 1, Phase 2, Funded and Demo. A "restricted event" means any major economic release or central-bank announcement listed on our calendar (e.g. US NFP, US CPI, FOMC rate decisions, PPI, ECB/Fed press conferences) and any comparable high-impact event we announce.
The restricted window is ±5 minutes around the published event time. Any trade that is opened inside that window, or any position that is held open across the window, is a violation. On funded accounts this is a hard breach and the account is burned immediately. On challenge/demo accounts the same window is flagged and counts toward the soft-rule escalation policy.
If you are unsure whether an upcoming release is restricted, close all positions at least 5 minutes before the release and stay flat until 5 minutes after. When in doubt, stay out.
Every restricted event, with the exact blocked hours in your local time, is listed on our live economic calendar.
Open positions rule
Max 3 open positions at a time
You may have up to 3 open positions simultaneously across all instruments on the account. Opening a 4th position while 3 are already open is a violation and will breach the account.
Stop-loss rule — NEW (from 2026-07-13)
Every trade must have a stop-loss within 3 minutes
Every open position must have a stop-loss attached within 3 minutes of opening. If no SL is set within that grace window, the platform records a soft violation (warning flag). A second soft violation on the same account will breach it.
Applies to all trades opened on or after 2026-07-13 UTC on all phases (Phase 1, Phase 2, Funded and Demo). Trades opened before that date are unaffected.
Consistency rule
40% consistency rule
No single trade or trading day may contribute more than 40% of the required profit target. In both Phase 1 and Phase 2 the limit equals 2% of the initial balance per trade/day. A trading day runs 00:00–00:00 (GMT+3) — daily profit is counted per calendar day and starts from zero again at 00:00. Demo accounts follow Phase 1 consistency limits.
On a $10,000 Phase 1 account your profit target is $800 (8%). No single trade or trading day can earn more than $320 toward that target — because 40% × $800 = $320. If one trade makes $400, you breach the rule.
On a $50,000 Phase 2 account your profit target is $2,500 (5%). No single trade or trading day can earn more than $1,000 toward that target — because 40% × $2,500 = $1,000 (also 2% of the initial $50,000 balance).
The 40% consistency rule also applies once you are funded. A funded account has no profit target of its own, so the cap is measured against a reference target — 8% of account size for 1-Step traders and 4% for 2-Step graduates:
- • 1-Step, $50,000: reference target $4,000 → cap 40% × $4,000 = $1,600 per trade and per trading day.
- • 2-Step, $10,000: reference target $800 → cap 40% × $800 = $320 per trade and per trading day.
This is a hard rule — exceeding the 40% cap on any single trade or trading day breaches the account immediately, with no warning issued first.
Warning / flag policy
1st soft violation = warning · 2nd soft violation = account burned
Hard rules — daily drawdown, max drawdown, any other drawdown limit and the 40% consistency rule — breach the account immediately on the first occurrence. No warning is issued.
Soft rules — holding a trade through a restricted news window, overnight positions and weekend holds — trigger a warning flag on the 1st occurrence. You are allowed exactly 1 active flag per account. A 2nd soft violation automatically breaches the account — the account is burned and cannot be recovered.
When you receive your first warning, the next payout is declined, your profit is reset to the starting balance, and all warnings are cleared. The account stays active. A second soft-rule violation will breach the account.
Account lifecycle rules
Phase 1 — Challenge
- Profit target: 8%
- Daily DD 5% / Max DD 10%
- Minimum 3 trading days
- No time limit
Phase 2 — Verification
- Profit target: 5%
- Daily DD 5% / Max DD 10%
- Minimum 3 trading days
- No time limit
Funded account
- No profit target
- Daily DD 5% / Max DD 10%
- Profit split up to 80%
- Bi-weekly payouts on request
Funded account rules (only apply once funded)
Forbidden on funded
- No overnight trading between 00:00 and 06:00 GMT+3, i.e. 21:00–03:00 UTC in summer and 22:00–04:00 UTC in winter — all positions must be closed before 00:00 and may only be reopened after 06:00
- No weekend holds — close all positions before market close on Friday
- No trading during restricted high-impact news events
- No more than 3 open positions at the same time
- No copy trading — funded traders may not mirror signals from other accounts, traders, or third-party providers
How we enforce it
- We scan your trade history on every sync
- Any trade open during the 00:00–06:00 GMT+3 window (21:00–03:00 UTC in summer, 22:00–04:00 UTC in winter) → breach
- Any open trade still on during Sat/Sun → breach
- News-event trades reviewed manually by admins
- Consistency rule — once your funded net profit reaches at least $400, a single closed trade may not be larger than 40% of your total earned profit on that funded phase. Example: if you have earned $500, one trade cannot exceed $200.
Payout rules
Profit split
- First payout: 50 / 50 split (you keep 50%, we keep 50%)
- From the 2nd payout onward: 80 / 20 split (you keep 80%)
- Minimum payout amount: $50
Schedule & methods
- First payout requirement: at least +5% profit on the funded account from its starting balance
- First payout waiting period: 14 days after the funded phase starts (or 7 days if you bought the fast-payout add-on)
- After the first successful payout: every 14 days on request (or every 7 days with the fast-payout add-on), with a $50 minimum profit
- Paid in USDT / USDC on Solana or Ethereum
- Processed within 24h on business days
- If you receive a first warning, the next payout is declined, your profit is reset to the starting balance, and all warnings are cleared. The account stays active. A second soft-rule violation will breach the account.
Strategy rules — allowed & forbidden
Allowed strategies
- Manual trading on MT5
- Scalping, day & swing trading
- Holding trades overnight (not on funded accounts — 00:00–06:00 GMT+3 is closed)
- Holding over the weekend (at your own risk)
- News trading only outside restricted high-impact news windows
Forbidden strategies
- Expert advisors / automated trading — allowed only if you ticked the EA option at checkout
- HFT (high-frequency trading) robots — allowed on Phase 1 only, never on funded accounts
- Copy trading from third-party signal providers
- Latency / arbitrage / tick-scalping exploits
- Same-symbol hedging — opening BUY & SELL on the same instrument at the same time (effective 2026-07-16)
- Hedging across multiple accounts or traders
- Group / coordinated trading on the same instrument
- Trading during restricted high-impact news events — hard breach on funded, flag on challenge
Monitoring & enforcement rules
How we monitor
- Your MT5 account is linked to Myfxbook (read-only)
- Equity, balance & history sync every few minutes
- Daily and max drawdown checked on every update
- Live metrics shown in the Credentials tab
What fails an account
- Touching the 5% daily drawdown line
- Touching the 10% max drawdown line
- Using any forbidden strategy above
- Sharing the account with a third party
- Manipulating Myfxbook data or MT5 history
Account & general rules
Account rules
- No limit on challenges — run as many accounts and sizes as you want
- Multiple funded accounts allowed
- Credentials issued after manual order approval
- Server: PU Prime-Demo (challenge) / PU Prime-Live (funded)
Leverage & instruments
- Leverage 1:100 on FX & metals
- 1:20 on indices, 1:10 on crypto
- FX, metals, indices, crypto, commodities
- No single-stock CFDs
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
- 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.