Instant Funding With a 100% Profit Split: How OctoFunded's Instant Account Works
OctoFunded's Instant account skips the evaluation and pays a 100% split on simulated profit. Here is every rule that decides what you actually receive, including the two payout caps.
OctoFunded Trading DeskUpdated · 8 min read
Instant funding with a 100% profit split means you skip the evaluation, trade a funded simulated account from day one, and keep all of the simulated profit you request in a payout, subject to the program rules. At OctoFunded that account starts at $109 for a $10,000 simulated balance, and the first payout opens after 7 days, then every week.
A 100% split sounds like the whole story. It is not. Two numbers decide what reaches your wallet in the first weeks: a 3% cap on payouts 1 and 2, and a 12% static max loss. This page lays out both in plain dollars so you can decide with the full picture, before you pay.
What you get with the Instant account, in one table
| Item | Classic Instant at OctoFunded |
|---|---|
| Evaluation | None |
| Profit split | 100% of simulated profit |
| First payout | After 7 days |
| Later payouts | Weekly |
| Payout 1 and payout 2 | Each capped at 3% of the initial balance |
| Daily loss limit | 3% |
| Max loss | 12%, static |
| Fee refund | None |
| Markets | Forex, metals, indices, BTC and ETH as CFDs |
| Payout rails | USDT or USDC, with a public on-chain transaction hash |
How much does the Instant account cost?
Four sizes. The list price is the fee you pay once. The second column is the same plan with the public code OFF10, which takes 10% off every plan.
| Simulated balance | List price | With OFF10 | Payout 1 and 2 cap (3%) |
|---|---|---|---|
| $10,000 | $109 | $98.10 | $300 |
| $25,000 | $249 | $224.10 | $750 |
| $50,000 | $469 | $422.10 | $1,500 |
| $100,000 | $879 | $791.10 | $3,000 |
Prices checked 30 October 2026.
What does a 100% profit split actually mean?
It means the trader's share of simulated profit in an approved payout is 100%. The firm keeps no slice of that payout. On most funded programs the split is a fraction, so a payout is your profit times 80% or 90%. On the Instant account the multiplier is 1.
The split is not the only rule that sets the size of a payout. On this account, the first two payouts have a ceiling, and every payout depends on the account staying inside its loss limits. If you want the general background on how splits are compared, read how profit splits compare. If you are new to the idea of skipping the test, start with what instant funding is.
The 3% cap on payouts 1 and 2, in plain dollars
Here is the part most pages skip. Your first payout and your second payout can each be at most 3% of the initial balance. From the third payout on, that specific cap no longer applies, subject to the program rules.
What that looks like on each size:
- $10,000: up to $300 on payout 1 and up to $300 on payout 2.
- $25,000: up to $750 each.
- $50,000: up to $1,500 each.
- $100,000: up to $3,000 each.
Why tell you this up front? Because a trader who expects a large first payout and receives a capped one feels misled, and a trader who knows the cap can plan around it. The cap rewards a steady first two weeks more than one big day. If your style is to size up early, this account will feel slow at the start. If your style is to build slowly, the cap may never bite.
Read the full program rules for how profit above the cap is handled on your account.
When do payouts start, and how often?
The first payout can be requested after 7 days. After that, payouts are weekly. That is a short gap between a profitable stretch and a request, and a short gap matters: profit that sits on an account for weeks is profit that open risk can still take back.
Payouts are sent in USDT or USDC on-chain, with a public transaction hash you can check yourself. See how USDT payouts work and how to verify a payout transaction hash. Every payout is subject to the program rules.
The loss limits: 3% daily, 12% static
A payout only exists on an account that is still open. Two limits decide that.
| Limit | Rule | On $10,000 | On $50,000 | On $100,000 |
|---|---|---|---|---|
| Daily loss | 3% of the initial balance | $300 | $1,500 | $3,000 |
| Max loss | 12% of the initial balance, static | $1,200 | $6,000 | $12,000 |
| Max loss floor | Initial balance minus 12% | $8,800 | $44,000 | $88,000 |
Static means the floor stays where it starts. It does not climb behind your profits. On a $100,000 simulated account the floor is $88,000 on day one and $88,000 after a profitable month. Compare that with a trailing floor, which follows your peak and can end an account after a normal pullback. The difference is covered in static vs trailing drawdown.
The 3% daily limit is the tighter of the two on any single day. It is worth planning your risk per trade so that a run of losers in one session cannot reach it. More on how daily limits are measured in daily loss limit.
Illustrative example: the first three payouts on $100,000
The figures below are illustrative. They are round numbers picked to show the arithmetic, not a forecast or a target, and they say nothing about what any trader will make.
| Step (illustrative) | Simulated profit available | Cap on this payout | Split | Payout amount |
|---|---|---|---|---|
| Payout 1, after day 7 | $2,000 | $3,000 | 100% | $2,000 |
| Payout 2, one week later | $5,000 | $3,000 | 100% | $3,000 |
| Payout 3, one week later | $4,000 | No 3% cap | 100% | $4,000 |
The arithmetic: in step 1 the profit, $2,000, is under the $3,000 cap, so 100% of $2,000 is $2,000. In step 2 the profit, $5,000, is over the cap, so the payout is limited to $3,000. In step 3 the 3% cap no longer applies, so 100% of $4,000 is $4,000, subject to the program rules.
The fee does not come back on this account. On $100,000 that is $879 at list price, or $791.10 with OFF10. Count it as a cost from the start.
Instant with a 100% split, or a challenge with a refund?
The honest trade-off is speed against cost and cushion. The Instant account removes the evaluation and pays 100%, but it costs more per dollar of balance and has no refund. The Classic 1-Step and 2-Step accounts cost less, pay an 80% split, and refund the fee with the first payout, but you have to pass a phase first.
| Classic Instant | Classic 1-Step | Classic 2-Step | |
|---|---|---|---|
| Evaluation | None | One phase, 10% target | Two phases |
| Split | 100% | 80% | 80% |
| Fee refund | None | With the first payout | With the first payout |
| $10,000 list price | $109 | $69 | $79 |
| $100,000 list price | $879 | $499 | $529 |
Prices checked 30 October 2026.
Which fits depends on your trading, not on the headline. A full side-by-side is in instant funding vs a challenge, and the line-by-line rulebook is in instant funded account rules.
Who the Instant account suits, and who it does not
It tends to suit traders who:
- already have a tested approach and do not want to spend weeks in an evaluation;
- trade with small, steady risk, so a 3% daily limit and capped first payouts fit their pace;
- want weekly access to payouts once the first 7 days have passed.
It tends not to suit traders who:
- size up early to chase a big first week, because payouts 1 and 2 are capped at 3%;
- want the fee back, because there is no refund on Instant;
- are still learning, because a cheaper challenge with a refund is a lower-cost place to practise.
EAs are allowed, news trading is allowed on the Classic market, and you can keep positions open over the weekend. Read about weekend holding before you do. There is no time limit.
How to start
- Pick a size from the price table above.
- Read the full program rules, including how the caps on payouts 1 and 2 work.
- Pay with crypto: USDT (TRC20 or ERC20), USDC, BTC, ETH or SOL. Enter OFF10 at checkout for 10% off.
- Trade your funded simulated account and request your first payout after 7 days, subject to the program rules.
FAQ
Does OctoFunded's Instant account really pay a 100% profit split?
Yes. The Classic Instant account pays a 100% split on simulated profit, subject to the program rules. Payouts 1 and 2 are each capped at 3% of the initial balance, so the split applies to the amount that fits under the cap.
When can I request my first payout on an Instant account?
The first payout can be requested after 7 days. After that, payouts are weekly, subject to the program rules.
What are the 3% caps on payouts 1 and 2?
Each of your first two payouts can be at most 3% of the initial balance. On a $100,000 simulated account that is $3,000 per payout, and on a $10,000 account it is $300. The cap is about payout size, not about your loss limits.
Is there an evaluation or a fee refund on the Instant account?
There is no evaluation. You trade a funded simulated account from the start. There is also no fee refund, so the fee is a cost you do not get back.
What are the loss limits on the Instant account?
A 3% daily loss limit and a 12% static max loss, both measured on the initial balance. On a $100,000 simulated account that is $3,000 per day and $12,000 in total.
Skip the evaluation, keep 100% of the split
The Classic Instant account starts at $109 for $10,000 of simulated capital: no evaluation, a 100% split, the first payout after 7 days and weekly after that, with payouts 1 and 2 capped at 3% of the initial balance, all subject to the program rules. The public code OFF10 takes 10% off every plan.
