Trading rules
Instant Funding drawdown limits
Instant Funding has two loss limits: a 3% daily drawdown and a 6% trailing maximum drawdown. The maximum floor rises with your highest equity until it locks at the starting balance, and never moves down.
Your two limits
| Limit | Instant Funding |
|---|---|
| Daily drawdown | 3%, checked on equity, resets at 21:00 UTC |
| Maximum drawdown | 6% trailing |
Drawdown is how much your account can lose before it breaches. Both limits are checked on equity: your balance plus the profit or loss on any open trades. A trade does not have to close to take you through a limit.
The maximum floor starts here.
The initial maximum allowance is based on the starting balance.
Example only, not your live account. Equity includes open profit or loss. Your separate daily limit still applies.
What moves the trailing floor?
The floor sits $6,000 below your highest equity so far, including profit on open trades that you never closed. It moves up when you set a new equity high. It never moves down.
On a $100,000 starting balance:
| Highest equity so far | Maximum floor |
|---|---|
| $100,000 (start) | $94,000 |
| $104,000 | $98,000 |
| $106,000 or higher | $100,000, and it stops moving |
Once the floor reaches your starting balance it locks there for good. From then on your account breaches only if equity falls below $100,000.
Giving back profit reduces the distance to the floor. It does not lower the floor.
How the daily limit is calculated
The 3% daily limit is separate from the maximum drawdown limit. It resets at 21:00 UTC throughout the year.
- Calculate the daily loss allowance: 3% of the account's starting balance.
- At 21:00 UTC, take whichever is higher: account balance or equity at that moment.
- Subtract the daily loss allowance from that reference to obtain the daily loss floor.
Daily loss floor = higher of balance or equity at 21:00 UTC − (3% × starting balance)
For a $100,000 Instant Funding account, the daily allowance is $3,000. If balance is $100,000 and equity is $102,000 at the reset, the reference is $102,000 and the daily floor is $99,000. If balance is the higher figure, use balance instead. An earlier intraday high is not the reset reference.
The maximum floor follows its own rule and does not reset with the daily limit. Check both levels in Trader Area → Accounts Overview → your account → Go to Metrics and keep sufficient room for open losses, spreads, swaps and execution movements.
After a payout
A payout reduces your balance, but the floor stays where it is. So each payout uses up some of your room above the floor. Before you request, compare your expected balance after the payout with the floor shown in your Trader Area.
The balance changes. The floor doesn’t.
See a $4,000 account debit before the trailing floor has locked.
Assumes highest equity of $104,000 and no open positions or other balance changes. The $4,000 debit is the amount removed from the account, not the net amount received.
Your daily and maximum limits, open positions and every other account rule still apply. What happens at market rollover?