Frequently asked questions.

Two paths to funding: 1-Step — one phase with a +8% profit target. 2-Step — +5% on the first step, then +5% on a second-step account. Funded accounts have no profit target.

Max 6% daily drawdown — increased from 5% to give you more room to trade. In plain terms: your equity may never fall more than 6% from its highest point to its lowest point within a single trading day, whether that loss is realised or still floating on open positions. Measured on equity per calendar trading day (00:00–00:00 GMT+3), from the day's equity peak to its low, and open positions count: floating PnL is part of equity, so an unrealised loss can breach the rule before the trade is closed. The 6% is calculated from your account's current equity at the day's peak — not from the initial account size — so as your balance grows, the daily loss allowance grows with it. Example: on a $10,000 account that has grown to $10,800 during the day, the 6% limit is $648 measured from that peak, not $600. The counter resets at 00:00 GMT+3. The 6% limit applies to every account — Phase 1, Phase 2 and funded, existing and new — for trading days from 2026-09-15 00:00 GMT+3. Days before that date were judged under the previous 5% limit and are not re-evaluated. Max 10% static drawdown from the initial balance at any point. It does not trail, and it is unchanged by the 2026-09-15 update.

No. You can take as long as you need to demonstrate consistent performance.

EAs are allowed if you ticked the EA add-on at checkout. Copy trading is allowed on evaluation phases (Phase 1 and Phase 2) but not on funded accounts. High-frequency arbitrage is not allowed.

No single trade and no single trading day may contribute more than 40% of the profit target. On challenge accounts the basis is that phase's own target: 1-Step $50,000 → $4,000 target → $1,600 cap; 2-Step $50,000 step → $2,500 target → $1,000 cap. On funded accounts, which have no target of their own, the basis is a reference target of 8% of account size for 1-Step traders and 5% for 2-Step graduates (e.g. $50,000 2-Step → $2,500 reference → $1,000 cap). The rule is measured on CLOSED trades only, using realised profit. Unrealised profit on an open position — floating PnL or the maximum favourable excursion (MFE) — is never counted: a position can run to any profit while open, and only its closed result is judged. A trading day is the calendar day 00:00–00:00 GMT+3, grouped by each trade's CLOSE time, and the day's figure is the net sum of every trade closed that day (losses included), not the sum of the winners. Exceeding the cap on a single trade or a single trading day is a hard breach — it fails the account immediately, with no warning first.

A broker-visible stop-loss is always required on every trade, exactly as before. The only change is that you now have 5 minutes instead of 3 to attach it after opening the position. If it is still missing after 5 minutes, the platform records a soft violation (warning flag); a second soft violation on the same account breaches it. Applies to Phase 1, Phase 2 and funded accounts. The 5-minute window applies to trades opened from 2026-09-15 00:00 GMT+3; trades opened earlier were judged under the previous 3-minute window and are not re-evaluated.

Up to 3 open positions simultaneously across all instruments. Opening a 4th while 3 are already open breaches the account.

Keep your account active: if no trade is opened on the account for 60 consecutive days, the account is considered inactive and is permanently deactivated — the account and any remaining balance are lost, and no refund is issued. From day 61 onwards the dashboard displays the account as Deactivated. Counting starts from the date of your last trade (or from account activation if no trade has been placed yet), and it resets the moment a new trade is opened. This applies to every account type — Phase 1, Phase 2 and funded.

You may HOLD an existing position straight through a high-impact news event — allowed from 2026-09-18. What is forbidden is OPENING a new position inside the restricted window of ±5 minutes around the published event time (10 minutes in total), on every phase — Phase 1, Phase 2 and funded. Only the entry time counts: a trade opened 6 or 10 minutes before the release may be held or closed during the event with no violation. Entry-only enforcement applies to every evaluation from 2026-09-18 00:00 GMT+3, and no account is breached for merely holding a position through an event. This is a hard rule on every account — Phase 1, Phase 2 and funded: an entry inside the window breaches the account on the first occurrence. Example: a release scheduled for 15:30 blocks new entries from 15:25 to 15:35. From 15:35 you may open trades normally again. A position opened at 15:10 can simply be held through the release.

No. We do not enforce a fixed margin-usage limit. The only hard constraints are leverage (1:100 on FX and metals) and drawdown (6% daily on the day's equity peak, 10% static max overall). Size positions so that a realistic adverse move stays well inside those drawdown limits — for example, 1 lot XAUUSD ≈ $100 per $1 move, so 10 lots against a $50 move is $5,000. Note: the 6% daily limit is measured from your account's equity peak during the day, not from the initial account size — on a $10,000 account trading at $10,800 equity, the limit is $648 from that peak.

Once the account is up at least +5% and 14 days have passed on the funded account (7 days with the fast-payout add-on). Your second payout requires at least 1% of your funded account size in eligible net profit since the first payout. Every payout follows the 14-day cycle, or 7 days if you bought the fast-payout add-on.

Up to 80%. The first payout is a 50/50 split; later payouts can reach up to 80%.

By international wire or USDT/USDC. Processed within 24 business hours of approval.

When you request a payout, we may ask you to complete identity verification (KYC) to confirm that you are the person trading the account and that your details match — the account holder's name, the trading record and the payout destination. We ask for it only when needed, and the payout is processed once verification is complete.

All InsaneFunding products are digital goods that grant immediate access to challenge accounts and platform services. Because access is delivered instantly, we do not offer refunds, chargebacks, or cancellations once the order is completed.

Yes. InsaneFunding runs on the MetaTrader 5 platform with sub-100ms execution through our broker.

FX majors and crosses, indices, metals, oil, crypto and US equities — all from one MT5 terminal.

Phase 1 and Phase 2 accounts may hold positions overnight and over the weekend. Funded accounts may not: all positions must be closed before 00:00 GMT+3 and may only be reopened after 06:00 GMT+3, and no position may be carried over the weekend — close everything before the Friday market close. Overnight and weekend holds on a funded account are soft violations (first one is a warning, the second breaches the account). You may HOLD an existing position straight through a high-impact news event — allowed from 2026-09-18. What is forbidden is OPENING a new position inside the restricted window of ±5 minutes around the published event time (10 minutes in total), on every phase — Phase 1, Phase 2 and funded. Only the entry time counts: a trade opened 6 or 10 minutes before the release may be held or closed during the event with no violation.

Each trade must stay open for at least 60 seconds (1 minute), measured from the broker-recorded open time to the close time, on Phase 1, Phase 2 and funded accounts. Exception: Phase 1 accounts with the EA add-on selected at checkout have no minimum trade duration. This exception does not apply to Phase 2 or funded accounts, even if the EA add-on was purchased.

Yes — EAs are allowed if you ticked the EA add-on at checkout. Phase 1 accounts with this add-on are exempt from the 60-second (1-minute) minimum trade duration. Phase 2 and funded accounts are not exempt, even with the EA add-on. High-frequency trading (HFT) bots may only be used on Phase 1 — they are not permitted on funded accounts. Copy trading is allowed on evaluation phases but not on funded accounts.