FXIFY Futures Direct Rules (2026): Current vs Legacy Sim Live

FXIFY Futures now publishes a Direct plan with $25K, $50K, $100K and $150K accounts. Its September 28, 2026 rules differ materially from the older Direct to Sim Live $15K–$80K product described later on this page. Match the purchased account generation before using a consistency calculation or requesting a payout.

Details reviewed: 11 October 2026. The original August 26, 2026 source date is retained for the legacy section below; it is not a current-purchase confirmation.

Current Direct plan: September 28, 2026 official rules

The current Direct overview lists one-time fees and no evaluation phase, activation charge or recurring subscription. Direct accounts cannot be reset.

These are published regular fees, without a coupon calculation. Confirm the selected order and any optional charges before payment.

The current payout policy specifies 25% consistency, a $500 minimum request and a 90% trader share. Eligible requests are available at any time, rather than the legacy 14-day schedule. The respective profit goals are $1,500, $3,000, $6,000 and $9,000. A request must still meet every applicable condition and its size-specific cap.

The current maximum-loss guide bases the trail on end-of-day balance. It says the floor locks at starting balance when the initial loss cushion has been earned or a payout is processed. Check the resulting room before withdrawing; a payout can leave less protection than the displayed headline balance suggests.

Legacy Direct to Sim Live: August 26, 2026 snapshot

Everything in the following legacy sections concerns the earlier $15K, $30K, $60K and $80K product. Its 20% consistency and 14-day schedule must not be applied to a new Direct purchase. Existing holders should use their issued agreement and the relevant legacy policy.

FXIFY Futures Direct to Sim Live removes the evaluation phase and places the trader directly into a simulated funded account. The legacy program covered by the August 26, 2026 snapshot offered $15K, $30K, $60K, and $80K options, a 90% default performance split, bi-weekly payout eligibility, and a 20% consistency rule.

Instant access does not mean unrestricted trading. Drawdown, daily loss, position size, consistency, payout timing, and account limits still define how the program works. This guide is based on FXIFY Futures’ official pages available on August 26, 2026. Confirm the exact plan card and agreement at checkout because parameters differ by size and can change. For a full firm overview, see our FXIFY Futures review.

FXIFY Direct to Sim Live at a Glance

The legacy Direct to Sim Live overview describes the product as immediate access to a simulated funded account with a one-time setup rather than a recurring subscription.

How Direct to Sim Live Works

The earlier one-step FXIFY route required an evaluation target and minimum trading days. Direct to Sim Live skips that stage.

The process is:

1. Select a Sim Live account size.
2. Complete checkout and identity or agreement requirements.
3. Receive the funded-stage trading account.
4. Trade within the plan’s loss and position limits.
5. Satisfy the 20% consistency rule and payout conditions.
6. Request a payout after the 14-day interval.

Skipping evaluation saves time, but it also means the funded rules apply immediately. There is no practice challenge in which to learn how the dashboard calculates drawdown.

Available Account Sizes

The August 26, 2026 snapshot listed these legacy sizes:

• $15,000
• $30,000
• $60,000
• $80,000

These headline balances represent simulated buying power, not the amount a trader can lose. The plan card’s maximum loss and daily drawdown are the more important risk figures.

For example, The legacy $15K plan card listed:

• 2.5% daily drawdown
• $600 maximum loss
• 4% maximum-loss percentage
• Maximum position of one contract

Parameters for older accounts should be read from the documentation issued for that specific legacy purchase. Do not multiply the $15K figures by account size unless FXIFY explicitly displays that relationship.

Maximum Loss vs Daily Drawdown

Direct to Sim Live uses two distinct risk controls:

• Daily drawdown: limits how much can be lost within one trading day.
• Maximum loss: limits how much can be lost across the account’s lifetime.

For the visible $15K example, the 2.5% daily drawdown is $375, while the $600 maximum loss equals 4% of the headline balance.

The daily amount normally resets according to the firm’s session calculation, while the maximum-loss rule remains the account boundary. The exact calculation base—balance, equity, or a stage-specific value—should be confirmed in the dashboard and agreement before the first trade.

A trader should set a personal stop above both firm limits to allow for slippage and commissions.

The 20% Consistency Rule

FXIFY Direct to Sim Live applies a 20% consistency rule. The best profitable day must not represent more than 20% of total profit used for payout eligibility.

The standard calculation is:

Largest profitable day ÷ total eligible profit

If the best day is $500, total profit must reach at least $2,500 for that day to equal 20%.

Examples:

A strong day does not necessarily breach the account. It can delay payout eligibility until enough additional profit reduces the best-day percentage.

Consistency makes daily profit distribution as important as the total balance. Traders should avoid setting one unusually large target and then struggling to dilute it.

How to Plan Around 20% Consistency

A practical method is to choose an intended payout-cycle profit and keep daily profit below 20% of that amount.

If the goal is $3,000 of eligible cycle profit, the ideal largest day is no more than $600. A $900 day would require at least $4,500 total profit to satisfy 20%.

This calculation can affect position management. A trader may choose to stop after reaching a planned daily amount rather than continuing to trade and creating a best day that raises the total required.

The exact dashboard consistency percentage should be checked before submitting a payout.

Payout Timing

FXIFY says Direct to Sim Live traders can request payouts every 14 days after eligibility is met. Approved requests are expected to be processed within 24–48 hours.

The 14-day interval is an eligibility window, not a guarantee that every account can withdraw on day 14. The trader must also:

• Remain within all loss limits
• Meet consistency
• Satisfy the minimum withdrawal requirement
• Have sufficient profit above the required threshold or buffer
• Complete any account review or verification

The legacy plan-specific payout policy, dated May 19, 2026, requires 3% profit before a request: $450 on $15K, $900 on $30K, $1,800 on $60K and $2,400 on $80K. It also uses withdrawal tiers of 60%, 70%, 80%, 90% and then 100% of profit across successive requests, before the performance split. Do not substitute another FXIFY plan’s general minimum for these legacy rules.

Performance Split

Direct to Sim Live provides a 90% default performance split. FXIFY also offers a 100% split add-on at checkout.

The split applies after the payout amount has been determined. If $1,000 is approved at a 90% split, the trader’s gross share is $900 before any payment-provider or tax considerations.

A 100% split add-on changes the share percentage; it does not remove drawdown, consistency, payout timing, or eligibility rules.

No Monthly or Activation Fees

The legacy Direct to Sim Live documentation states there are no monthly or activation fees. The product uses a one-time setup.

This distinguishes it from subscription evaluations, but optional add-ons and market-data upgrades may still affect total cost. Traders should review the checkout summary rather than assuming the first displayed amount covers every optional feature.

“No activation fee” means there is no separate charge to unlock the account after an evaluation, which is logical because Direct to Sim Live has no evaluation phase.

Position Limits

Every account size has a maximum position allowance. The legacy $15K plan permitted one contract.

The limit is a maximum, not a target. A single E-mini contract can create large swings relative to a $600 maximum-loss budget. Micro contracts may provide better control where supported and properly counted.

Position sizing should account for:

• Tick value
• Stop distance
• Remaining daily room
• Remaining maximum-loss room
• Commissions
• Slippage during volatile periods

The advertised account balance should never be used as the risk budget.

Buffer and Above-Threshold Profit

FXIFY’s one-step program materials describe withdrawals from profit above a threshold or buffer. Direct to Sim Live traders must check the plan-specific dashboard to determine what portion of balance is eligible.

A balance can show profit while still failing payout criteria because:

• Consistency is above 20%
• The 14-day window is incomplete
• Profit does not exceed the protected threshold
• The request is below the minimum
• Trading activity has changed the current eligible amount

Before withdrawing, calculate the remaining balance after the request and compare it with both the daily and maximum-loss thresholds.

Trading Platforms and Data

FXIFY advertises three platform choices and includes free Level 1 market data on its futures plans. Platform availability can depend on the selected program and account size.

The firm’s site presents an in-house dashboard with analytics and a trading journal, while execution is handled through supported futures platforms. Traders should confirm the exact choice at checkout because platform fees, routing, supported orders, and copier compatibility can differ.

Level 1 data shows top-of-book pricing. Traders who require full depth of market should verify whether an upgrade is available and whether it carries an extra fee.

Direct to Sim Live vs FXIFY One-Step

Direct to Sim Live and one-step accounts serve different purposes:

Direct access removes the pass/fail evaluation target but introduces funded-stage accountability from the first trade. A one-step plan gives the trader an evaluation period to demonstrate performance before funded rules begin.

This is a structural explanation, not a recommendation. The appropriate route depends on risk tolerance, strategy distribution, and familiarity with the rules.

News, Overnight and Session Restrictions

FXIFY’s legacy Direct to Sim Live page does not provide enough detail to safely assume all news, overnight, and weekend practices are allowed. Traders should confirm these rules in the program agreement.

Futures products also have exchange-specific maintenance periods and holiday schedules. Even if a platform technically accepts an order, firm policy may require positions to be closed before a defined time.

Pending orders should be reviewed before session close because an unexpected fill can affect daily loss and consistency.

Copy Trading and Automation

Platform support for a copier or automated strategy does not automatically mean the firm permits every use. The account holder remains responsible for duplicated orders, maximum positions, prohibited coordination, and technical failures.

Before enabling automation, confirm:

• Whether copying is allowed between accounts owned by the same trader
• Whether external signal copying is prohibited
• Maximum combined account allocation
• Order-frequency restrictions
• Rules against exploiting simulated fills
• Whether a VPS or device policy applies

If the official agreement is unclear, trade manually until support confirms the setup in writing.

Common Direct to Sim Live Mistakes

Frequent errors include:

1. Treating instant access as unlimited risk.
2. Sizing from the headline balance instead of the maximum loss.
3. Ignoring the daily drawdown because the account is already funded.
4. Producing one large winning day that blocks 20% consistency.
5. Assuming day 14 guarantees a payout.
6. Confusing the 90% split with 90% of the entire account profit being immediately withdrawable.
7. Using the maximum contract limit as a recommended size.
8. Assuming one-step trading permissions also apply to Direct to Sim Live.
9. Buying add-ons without checking how they change cost but not risk rules.

A Practical Risk Framework

A disciplined workflow could be:

1. Record the daily and lifetime loss limits before trading.
2. Set a smaller personal session stop.
3. Use the smallest contract size that matches the strategy.
4. Plan a maximum daily profit around 20% consistency.
5. Stop trading after reaching the planned daily amount.
6. Track the 14-day cycle and eligible-profit calculation separately.
7. Verify the post-payout cushion before requesting.
8. Recheck platform, news, and close-time rules.
9. Save the active agreement because product terms can be updated.

Who Is Direct to Sim Live Best For?

The program may suit experienced futures traders who do not want an evaluation target and already understand funded-stage drawdown and consistency calculations.

It may be less suitable for traders whose returns depend on occasional very large days because a 20% consistency rule requires five times the best day in total profit. It is also demanding for traders who routinely use full E-mini size against small loss budgets.

Final Verdict

FXIFY Direct to Sim Live provides immediate simulated funding with no challenge target, a 90% default split, no monthly or activation fee, and payout requests every 14 days.

The main trade-off is that risk and payout rules begin immediately. The 20% consistency requirement, daily drawdown, maximum loss, and position limit determine whether apparent profit becomes eligible for withdrawal. Legacy traders should review the agreement issued for their exact account size and manage from the loss budget rather than the advertised balance.

Related guides

• Post-Payout Drawdown Cushion: A Calculator for Prop Traders
• Realized vs Unrealized P&L in Prop-Firm Drawdown