X-Funded is part of the new generation of prop firms that bet on pricing transparency: 2-phase challenges from €89, 1-phase from €115, accounts from $10,000 to $300,000 and a cumulative allocation of up to $1,000,000. Based in Saint Lucia, the firm does not yet display a consolidated Trustpilot rating, a point to watch for a young firm. Here is the full analysis of its validation results and payouts.
Validation results: two formats, two philosophies
X-Funded lets you choose between two evaluation paths:
- 1-phase challenge: a single 10% target, direct and fast, from €115
- 2-phase challenge: 8% in phase 1 then 5% in phase 2, from €89
Prices go up to €1,349 (2 phases) and €1,749 (1 phase) for the largest sizes, a pricing grid in line with the market for accounts of this scale. The 2-phase format with its 8%/5% targets remains the most accessible for a first challenge: the two-step progression leaves more room for learning. If this is your first challenge, prepare it with our guide to writing a solid trading plan.
Drawdown: static, a real advantage
X-Funded's strong point: its drawdowns are static, not trailing. The daily drawdown is 4% (1-phase) to 5% (2-phase), and the maximum drawdown 6% (1-phase) to 10% (2-phase). A static drawdown stays fixed even as your account grows: where a trailing drawdown would follow your highs and shrink your margin as you win, here your loss corridor stays constant. It is a more forgiving environment for traders who like to let positions breathe, provided of course you respect the daily limit.
Payouts: a progressive split and weekly withdrawals
X-Funded's profit share model is progressive: 80% on the first withdrawal, 90% on the second, then up to 100% via a paid option at checkout. This progression rewards the loyalty of traders who string together regular withdrawals rather than one-shots.
Withdrawals are weekly, with an entry condition: the first withdrawal only comes after 14 active days on the funded account. In other words, you must prove regular activity for two weeks before touching your first gains. A reasonable safeguard, but one to know about when planning your cash flow.
Scaling: cumulative allocation up to $1,000,000
That is X-Funded's heavyweight argument: a cumulative allocation of up to $1,000,000, far beyond the $200,000 offered by the sector average. For a consistent trader stacking funded accounts, it is a serious growth horizon. The scaling mechanics are detailed in our article on increasing your capital with a prop firm.
Conditions at a glance
- Price: €89 to €1,349 (2 phases); €115 to €1,749 (1 phase)
- Sizes: $10,000 to $300,000 (max allocation $1,000,000)
- Targets: 1-phase 10%; 2-phase 8% then 5%
- Drawdown: 4-5% daily, 6-10% maximum, static
- Profit split: 80% then 90%, up to 100% as an option
- Payouts: weekly, first withdrawal after 14 active days
- Platforms: MT5, cTrader
Pros and cons
Pros
- Static drawdown, more forgiving than a trailing one
- Progressive profit split up to 100%
- Weekly withdrawals
- Ambitious scaling up to $1,000,000
Cons
- Young firm, no consolidated Trustpilot rating in 2026
- First withdrawal conditional on 14 active days
- 100% option paid at checkout
Verdict: X-Funded in 2026
X-Funded presents a credible profile for 2026: clear rules, a comfortable static drawdown and one of the most generous scaling plans on the market. The caveat is the firm's youth: without a proven payment history or an established Trustpilot rating, prudence calls for starting with a reasonable size and validating a first withdrawal quickly. Compare its offer against competitors on Fundedtrader.fr and our prop firm comparison tool before committing.
Checklist before launching an X-Funded challenge
Before paying for your challenge, run through these five checks: they will spare you the most common statistical failure, the one of the first two weeks.
1. Choose the right format for your profile
The 2-phase (8%/5%) suits cautious profiles and first challenges; the 1-phase (10%) suits experienced traders who want speed. The 2-phase entry price is lower (€89 vs €115): start small, you can always aim for the big sizes after a first validated withdrawal.
2. Calibrate your risk on the drawdown, not the target
With a 4% daily drawdown in 1-phase, a $25,000 account tolerates $1,000 of loss per day. A risk of 0.5% of the account per trade gives you about twenty trades of margin: that is more than enough to validate 10% in a few weeks without ever nearing the limit.
3. Use the static drawdown intelligently
X-Funded's static drawdown does not follow your highs: your loss margin stays the same even after a nice run. Use it as a reserve, not as a target. An account that never went below -3% can absorb a bad month without being eliminated: that is the real value of this rule.
4. Plan the 14 active days as soon as you get the account
The first withdrawal requires 14 active days on the funded account. Do not let the account sleep: trade regularly from activation, even at reduced size, to unlock withdrawal eligibility without waiting.
5. Document everything
Trade journal, screenshots of the conditions at purchase time, support conversation history: with a young firm, documentation is your best protection in a dispute over a withdrawal.
Conclusion: where to start?
Want to take on a challenge and get support to maximise your chances of success? The Fundedtrader.fr team supports you from A to Z: choosing the right challenge for your profile, managing drawdown and follow-up through to your first withdrawal. First compare offers on our prop firm comparison tool, then discover our challenge validation services.