Our editorial team compared every key metric — fees, rules, profit split, payouts — so you can pick the right firm.
| Feature | Instant Funding | Audacity Capital |
|---|---|---|
| Payout | ||
| Profit Split | 80% (up to 95%) | 50-95% (scales over time) |
| First Payout | 14 | 14 |
| Payout Frequency | On-demand / 14-day / Weekly (varies by program) | Bi-weekly (Ability Challenge), Weekly (FTP) |
| Max Account Size | $300,000 | $240,000 |
Winner: Instant Funding
In this independent head-to-head comparison of Instant Funding vs Audacity Capital, we break down challenge rules, pricing, profit splits, and payout conditions to help you decide which prop firm is the better fit for your trading style.
Instant Funding: 8 Programs. $25 Min Payout. Smart Drawdown. Est. 2021.
Audacity Capital: One of the oldest prop firms globally, with generous drawdown limits and 12+ years of operation.
Based on our independent scoring methodology, Instant Funding scores 8.8/10 overall — but the best choice depends on your specific needs. Read the full comparison below.
BestProp Score: Instant Funding scores 8.8/10 vs Audacity Capital at 7.8/10.
Minimum Fee: Instant Funding starts from -; Audacity Capital starts from $49.
Profit Split: Instant Funding offers 80% (up to 95%); Audacity Capital offers 50-95% (scales over time). Instant Funding has the higher split.
Platforms: Instant Funding supports cTrader, Match Trader, MT5; Audacity Capital is on MetaTrader 5.
Tradeable Markets: Instant Funding covers Forex, Metals, Energy, Indices, Crypto; Audacity Capital offers Forex, Metals, Indices.
Challenge fees are typically the biggest factor when choosing a prop firm. Here is how Instant Funding and Audacity Capital compare on pricing.
Instant Funding challenge fees start from –. The firm has operated since 2021. They have funded over 85,000+ traders. Total payouts to date: $18,700,000+.
Audacity Capital challenge fees start from $49. The firm has operated since 2012. They have funded over 500,000+ traders. Total payouts to date: $250,000,000+.
Instant Funding profit split: 80% (up to 95%). Audacity Capital profit split: 50-95% (scales over time). Instant Funding delivers the higher cut to traders.
Payout frequency: Instant Funding pays On-demand / 14-day / Weekly (varies by program); Audacity Capital pays Bi-weekly (Ability Challenge), Weekly (FTP). Faster payouts are better for cash flow management.
Here is our full independent review of Instant Funding:
Instant Funding launched in June 2021 and is operated by Acello Ltd (company number 12696083, registered in England and Wales), with its registered address at 30 Old Bailey, London EC4M 7AU. A second entity, IF Pro Ltd, is registered in Saint Lucia (2025-00056). CEO Lewis has built one of the more established UK-rooted prop firms, with $18.7M+ in total payouts, 85,000+ registered traders, and a 4.5/5 Trustpilot score from over 4,000 reviews – a meaningful independent signal of reliability at scale.
The firm offers eight distinct programs covering instant funding, single-phase, and two-phase evaluations, with a minimum account size of $625 and maximum combined allocation of $3,840,000. The standout feature is a $25 minimum payout – the lowest threshold in the prop firm industry.
Instant Funding’s eight programs fall into three families:
No-Evaluation (Instant) Programs:
One-Phase Evaluation Programs:
Two-Phase Evaluation Programs:
The flagship Instant Funding and GO accounts use a Smart Drawdown mechanism rather than a standard static drawdown. The account starts with a 10% maximum drawdown limit. Once the trader reaches 5% net profit, the drawdown locks permanently at 5% of the starting balance. This means growing accounts receive progressively tighter floor protection – the more profit earned, the more of it is preserved. It is one of the more thoughtful risk management designs in the prop firm space.
Three platforms: cTrader, Match Trader, MetaTrader 5. Instruments span Forex, Metals, Energy, Indices, and Cryptocurrencies. No stocks or individual equities.
Instant Funding earns a 7.8 BestProp score. Five years of operation, $18.7M+ verified payouts, 4.5/5 Trustpilot from 4,000+ reviews, and an industry-low $25 minimum payout make this one of the most credibly established prop firms on the market. The Smart Drawdown mechanism is genuinely innovative, and the breadth of eight programs means most trader profiles can find a suitable fit.
The deductions come from the 80% base split (below the 90% now standard at many competitors), add-on fees for news trading and weekend holding that others include by default, public EA restrictions, and limited CEO transparency. The news trading add-on in particular is worth factoring into the total cost before purchasing. For traders who trade within standard hours on supported instruments, Instant Funding is a reliable, proven choice.
Here is our full independent review of Audacity Capital:
Audacity Capital was founded in 2012, making it one of the longest-running prop trading firms in the world. UK-registered (Companies House 11652683) under CEO Karim Yousfi, the firm claims over $250 million paid out to traders and 500,000+ funded traders globally — numbers built over more than a decade of operation. The firm offers three programs: the 2-phase Ability Challenge, the 1-step Ability One, and the Funded Trader Program (FTP / Instant Funding).
The Ability Challenge is a two-phase evaluation. Phase 1 requires a 10% profit target with a 7.5% daily drawdown and 15% max drawdown — among the most generous drawdown limits in the industry. Phase 2 requires 5% with tighter 5%/10% limits. The Ability One is a single-phase evaluation with a 10% target, 3% daily, and 6% max drawdown. The FTP (Instant Funding) provides immediate funded access with up to 95% profit split and weekly payouts.
The Ability Challenge uses a trailing drawdown that resets daily when equity hits new highs. This mechanism confuses some traders — the daily limit recalculates at each new equity peak, meaning a trader can technically be in breach even while net-profitable over the full period. Review the drawdown rules carefully before trading.
News trading is allowed on the Ability Challenge without restrictions. The FTP requires a 30-minute waiting period after major economic events. EAs and copy trading are permitted. HFT, cross-account hedging, and martingale strategies are prohibited. Traders from the US, Syria, Iran, and North Korea cannot access the platform.
Ability Challenge payouts are made every 14 days via bank wire, Wise, PayPal, or crypto. The profit split starts at 50-75% on the Ability Challenge and scales to 95% over time. FTP accounts pay weekly at up to 95% immediately.
Trustpilot score is 3.4/5 from 1,067 reviews. While the majority of reviews are positive, approximately 125 are 1-star — prospective traders should review recent trader experiences before committing to the platform.
Overall, our independent scoring gives Instant Funding the edge in this 2026 comparison. However, both firms have their merits. If Audacity Capital better matches your specific trading style, instruments, or preferred platform, it may still be the right choice for you.
Use our comparison table above and review the challenge fees at both firms before making your final decision. Both offer risk-free evaluation programs — the challenge fee is the only money at risk.
Based on our independent scoring, Instant Funding scores higher overall (8.8/10). The best choice depends on your trading style, preferred instruments, and account size.
Both firms have similar entry-level pricing. Compare the full fee schedule for your target account size.
Instant Funding offers the higher profit split. Instant Funding: 80% (up to 95%). Audacity Capital: 50-95% (scales over time).
EA policies: Instant Funding — check the review. Audacity Capital — check the review. Always verify the latest policy directly with the firm.
News trading: Instant Funding — check the review. Audacity Capital — check the review.
Read the full Instant Funding review → · Read the full Audacity Capital review →
Based on our scoring methodology, Instant Funding edges ahead in this comparison. However, the best choice depends on your trading style, preferred platform and account size. Read the full breakdown above for a detailed verdict.
Instant Funding offers 80% (up to 95%) profit split, while Audacity Capital offers 50-95% (scales over time) profit split. Check each firm's current terms as these can change.
Check our offers page for the latest verified deals on both firms.
Instant Funding processes first payouts in 14 day(s), while Audacity Capital takes approximately 14 day(s). Always verify current payout timelines on the firm's website.
Neither Instant Funding nor Audacity Capital are regulated in the traditional financial sense — prop firms operate as private companies providing traders access to simulated or real capital. Always read the terms and conditions carefully before participating in any prop challenge.
