Instant Funded Account: What It Is, Prices From $109 and the Rules in Dollars
What an instant funded account is, what it costs and what the rules mean in dollars. Classic, Perpetuals and Futures Instant side by side, with every price from $109 to $20,399.
OctoFunded Trading DeskUpdated ยท 9 min read
An instant funded account is a funded account on simulated capital that you buy without passing an evaluation: no profit target, no phases, just fixed loss limits and a payout schedule from day one. At OctoFunded it starts at $109 for $10,000, or $98.10 with the public code OFF10.
OctoFunded sells three instant funded accounts, one per market: Classic Instant on CFDs, Perpetuals Instant on a 24/7 market and Futures Instant on dated contracts. This page puts all three side by side, with every price and every rule converted to dollars. Prices checked 31 October 2026.
Fair warning before the tables: skipping the test is not free. An instant funded account costs more than a challenge of the same size, and no Instant fee is refunded. We show you the numbers so you can decide with them.
What is an instant funded account?
An instant funded account is a funded account on simulated capital that you buy without passing an evaluation. There is no profit target and no phases. You trade toward a payout from the first day, inside fixed loss limits, subject to the program rules.
A normal prop firm challenge works the other way round. You pay a fee, hit a target such as 10% inside a loss limit, and only then get a funded account. The instant version removes the filter. The firm still needs to manage risk, so it does it with the price, the loss limits and the payout schedule instead. New to the idea? Start with what instant funding is.
How much does an instant funded account cost?
From $109 for a $10,000 Classic Instant, $159 for a $2,000 Perpetuals Instant and $1,900 for a $25,000 Futures Instant. The public code OFF10 takes 10% off, so $98.10, $143.10 and $1,710.00. Prices checked 31 October 2026.
Classic Instant prices (CFDs: forex, metals, indices, BTC and ETH)
| Simulated balance | List price | With OFF10 |
|---|---|---|
| $10,000 | $109 | $98.10 |
| $25,000 | $249 | $224.10 |
| $50,000 | $469 | $422.10 |
| $100,000 | $879 | $791.10 |
Prices checked 31 October 2026.
Perpetuals Instant prices (crypto, US stocks, gold, oil, open on weekends)
| Simulated balance | List price | With OFF10 |
|---|---|---|
| $2,000 | $159 | $143.10 |
| $5,000 | $319 | $287.10 |
| $10,000 | $479 | $431.10 |
| $25,000 | $799 | $719.10 |
| $50,000 | $1,199 | $1,079.10 |
| $100,000 | $2,399 | $2,159.10 |
| $200,000 | $3,999 | $3,599.10 |
| $300,000 | $5,599 | $5,039.10 |
| $500,000 | $8,399 | $7,559.10 |
| $1,000,000 | $14,399 | $12,959.10 |
| $1,500,000 | $20,399 | $18,359.10 |
Prices checked 31 October 2026.
Futures Instant prices (dated crypto quarterlies, monthly index and commodity contracts)
| Simulated balance | List price | With OFF10 |
|---|---|---|
| $25,000 | $1,900 | $1,710.00 |
| $50,000 | $3,000 | $2,700.00 |
| $100,000 | $3,952 | $3,556.80 |
| $150,000 | $4,800 | $4,320.00 |
| $200,000 | $5,700 | $5,130.00 |
| $300,000 | $7,700 | $6,930.00 |
Prices checked 31 October 2026.
You pay once, no subscription. How the discount applies: the OFF10 code. If price is your main filter, the full ranking by entry cost is in cheapest instant funded account.
What are the rules of an instant funded account?
Classic Instant: 3% daily loss and 12% static max loss. Perpetuals Instant: 3% daily and 7% static. Futures Instant: 2% daily and 3% static. All are measured from the initial balance. Anything not stated here is in the program rules.
The three Instant accounts side by side
| Rule | Classic Instant | Perpetuals Instant | Futures Instant |
|---|---|---|---|
| Evaluation | None | None | None |
| Sizes | $10K to $100K | $2K to $1.5M | $25K to $300K |
| Entry price (list) | $109 | $159 | $1,900 |
| Profit split | 100% | 90% | 90% |
| Daily loss limit | 3% | 3% | 2% |
| Max loss | 12%, static | 7%, static | 3%, static |
| First payout | After 7 days, then weekly | On demand after 6 trading days | On demand after 5 trading days |
| Early payout cap | Payouts 1 and 2 at 3% of initial balance | Not stated | Not stated |
| Fee refund | None | None | None |
| Weekend trading | Weekend holding allowed | Market open 24/7 | Per contract |
Prices checked 31 October 2026.
The rules in dollars on a $100,000 account
Percentages hide the real size of a limit. Here is the same $100,000 of simulated capital in all three markets.
| On $100,000 | Classic Instant | Perpetuals Instant | Futures Instant |
|---|---|---|---|
| List price | $879 | $2,399 | $3,952 |
| With OFF10 | $791.10 | $2,159.10 | $3,556.80 |
| Daily loss limit | $3,000 | $3,000 | $2,000 |
| Max loss | $12,000 | $7,000 | $3,000 |
| Account floor | $88,000 | $93,000 | $97,000 |
| Split on $1,000 of approved profit | $1,000 | $900 | $900 |
| Payouts 1 and 2 cap | $3,000 each | Not stated | Not stated |
Prices checked 31 October 2026.
Read the floor row twice. On Futures Instant, the account closes if equity touches $97,000. That is $3,000 of total room on a $100,000 balance. On Classic Instant you have four times that, $12,000.
What does static max loss mean?
All three accounts use a static floor. It is set on day one from the initial balance and never moves up. On a $100,000 Classic Instant it stays at $88,000 whether you are flat or up $5,000. Profit widens your room instead of raising the floor. The difference is explained in static vs trailing drawdown.
Which limit should you plan around?
The daily one, because it is the one a normal bad session can hit. On a $100,000 Futures Instant, $2,000 per day means four losers at $500 end the day. On a $100,000 Classic Instant, $3,000 per day means six losers at $500. Size each trade from the daily limit, not from the account balance. More in risk per trade. For a full rule checklist, see instant funded account rules.
When do instant funded accounts pay out?
Classic Instant: first payout after 7 days, then weekly, with payouts 1 and 2 each capped at 3% of the initial balance. Perpetuals Instant: on demand after 6 trading days. Futures Instant: on demand after 5 trading days. Payouts are in USDT or USDC, subject to the program rules.
In dollars on Classic Instant, the 3% cap is $300 on $10,000 and $3,000 on $100,000, for each of the first two payouts. From the third payout on, that cap no longer applies, subject to the program rules. The full mechanics of the 100% split and the cap are in how the 100% split works, so we do not repeat them here.
Every payout carries a public on-chain transaction hash. Here is how to verify a payout transaction hash.
Is an instant funded account more expensive than a challenge?
Yes. A $100,000 Classic Instant is $879 and a $100,000 Classic 1-Step is $499. You pay more to skip the test, and no Instant account refunds its fee.
That is the honest tradeoff, in three parts:
- A higher entry fee. $380 more at list price on $100,000 Classic.
- No fee refund. The 1-Step and 2-Step refund the fee with the first payout. Instant does not.
- Tighter early payouts on Classic. The first two payouts are capped at 3% of the initial balance.
What you get for it: no target, no phases and no time spent passing a test. Whether that is worth the extra fee depends on how often you would pass a challenge on the first try, which only you can judge. The side-by-side math is in instant funding vs a challenge and 1-Step vs 2-Step vs Instant.
Which instant funded account fits you?
Use this checklist. Pick the first line that matches.
- You trade forex, gold or indices and want the full split: Classic Instant. 100% split, the widest floor at 12%. Details in OctoFunded Instant Funded.
- You want to start under $200 or trade on weekends: Perpetuals Instant. From $159 for $2,000, open Saturday and Sunday. See the Perpetuals 24/7 market.
- You trade dated futures with small, fixed risk: Futures Instant. The tightest limits and the shortest wait, 5 trading days. See OctoFunded Futures.
- You want the lowest total cost and can pass a test: a 1-Step or 2-Step, with a fee refund on the first payout.
Comparing firms, not just accounts? Run the instant funding checklist on every offer, including ours. If you are searching for a firm that sells this format, read instant account prop firm and no evaluation prop firm.
How to get an instant funded account
- Choose the market. Classic, Perpetuals or Futures.
- Choose the size. Size from the daily limit you can live with, not from the biggest number.
- Enter OFF10 at checkout. 10% off every plan.
- Pay in crypto. USDT (TRC20 or ERC20), USDC, BTC, ETH or SOL.
- Trade on the OctoFunded web platform. It runs in the browser, nothing to download.
FAQ
What is an instant funded account?
An instant funded account is a funded account on simulated capital that you buy without passing an evaluation. There is no profit target and no phases. You trade toward a payout from the first day, inside fixed loss limits, subject to the program rules.
How much does an instant funded account cost at OctoFunded?
From $109 for a $10,000 Classic Instant, $159 for a $2,000 Perpetuals Instant and $1,900 for a $25,000 Futures Instant. The public code OFF10 takes 10% off, so $98.10, $143.10 and $1,710.00. Prices checked 31 October 2026.
What are the rules of an OctoFunded instant funded account?
Classic Instant: 3% daily loss and 12% static max loss. Perpetuals Instant: 3% daily and 7% static. Futures Instant: 2% daily and 3% static. All are measured from the initial balance. Anything not stated here is in the program rules.
Is an instant funded account more expensive than a challenge?
Yes. A $100,000 Classic Instant is $879 and a $100,000 Classic 1-Step is $499. You pay more to skip the test, and no Instant account refunds its fee.
When do instant funded accounts pay out?
Classic Instant: first payout after 7 days, then weekly, with payouts 1 and 2 each capped at 3% of the initial balance. Perpetuals Instant: on demand after 6 trading days. Futures Instant: on demand after 5 trading days. Payouts are in USDT or USDC, subject to the program rules.
Skip the test, keep the rules in view
Three instant funded accounts, three sets of limits, one fee and no evaluation. Pick the market you already trade, size it from the daily limit, and read the program rules before you buy.
