X-Funded is a prop firm based in Saint Lucia. It offers a cumulative allocation scaling plan up to $1,000,000. This review covers challenge terms, pricing, profit split options, and the exact method to pass X-Funded in 2026.
Check out our complete X-Funded breakdown and our prop firm comparison table to see how this firm compares against competitors.
Overview of X-Funded
X-Funded caters to traders seeking access to capital without risking personal funds. Offering account sizes from $10,000 to $300,000 (maximum allocation of $1,000,000) and scaling up to $1,000,000, the firm positions itself competitively in the 2026 prop firm market.
Its reputation rests on transparent rules and regular payout processing. To compare with other industry leaders, view our ranking of best prop firms in 2026.
X-Funded Challenge Rules
- Profit Target: 1-phase: 10% — 2-phase: 8% then 5%
- Daily Drawdown: 4% (1-phase) to 5% (2-phase)
- Maximum Drawdown: 6% static (1-phase) to 10% static (2-phase)
- Profit Split: 80% on 1st payout, 90% on 2nd, up to 100% with checkout add-on
- Payout Schedule: Weekly payouts, first payout after 14 active trading days
- Platforms: MT5, cTrader
Managing drawdown is the critical factor for success. Learn more with our prop firm risk management guide and our article on understanding prop firm drawdown.
How Much Does an X-Funded Challenge Cost?
Evaluation fees range from €89 to €1,349 (2-phase) and €115 to €1,749 (1-phase) depending on account size ($10,000 to $300,000). The price-to-risk ratio should guide account selection: pick a size offering sufficient drawdown cushion.
To compare prices across account tiers, explore our dedicated pages for 100k account, 50k account, and 200k account.
5-Step Strategy to Pass
- Select the right account size aligned with your risk tolerance and experience.
- Strictly honor daily drawdown limits: never risk more than 1-2% per trade, always using stop-losses.
- Target profit goals steadily: consistent progress beats high-risk gambles.
- Manage consistency rules if applicable by spreading gains over multiple trading sessions.
- Test strategies on demo accounts prior to purchase to ensure reliability under live market conditions.
For additional support, review our prop firm challenge pass service and our prop firm account management offer.
X-Funded Pros and Cons
Pros
- Up to 100% profit split available from day 1 with checkout add-on
- No time limit to complete evaluation phases
- Weekly payouts, registered trading entity in Saint Lucia
- Tight spreads and zero commission trading
Cons
- Strict 45% consistency rule on live funded accounts
- News trading prohibited once funded (allowed during evaluation)
- Mandatory stop-loss (5 minutes) on funded accounts, absent in evaluations
- Relatively new firm with limited long-term customer reviews
Verdict: Is X-Funded Worth It in 2026?
X-Funded provides an attractive balance of competitive pricing, flexible terms, and scaling potential. Success depends on strict drawdown discipline. Before getting started, compare options via our prop firm comparison engine and 2026 rankings.
Ready to pass your challenge? Explore our challenge pass services or read the full X-Funded guide.
