AIFO Instant Direct Access explained (2026): price and rules
AIFO sells Instant Direct Access as a instant challenge in 5 sizes, from 5K up to 100K. The 100K version costs $699. To pass you need None profit, and you must keep losses under 3% in any one day and under 5% overall.
AIFO Instant Direct Access: could you pass it?
Move the slider to your usual risk per trade. We do the maths with this challenge's own limits.
Tip: stop for the day after 2–3 losses.
Instant Direct Access prices at each size
| Account | Price | Target | Daily loss | Max loss | Split |
|---|---|---|---|---|---|
| $5,000 | $69 | None | 3% | 5% | 70% |
| $10,000 | $129 | None | 3% | 5% | 70% |
| $25,000 | $289 | None | 3% | 5% | 70% |
| $50,000 | $419 | None | 3% | 5% | 70% |
| $100,000 | $699 | None | 3% | 5% | 70% |
List prices with no discount code, checked on 14 November 2026. Firms change prices often, so always confirm on their own website before you pay.
The rules that matter most
The drawdown is trailing. In practice, every new high in your balance lifts the loss limit with it, so a winning streak followed by a losing one can still end the account. There's a consistency rule (Best day 20%), which means one day can't make up too large a share of your total profit. There's no deadline to pass.
Other choices at 100K
Other instant challenges at 100K from the firms we follow, cheapest first. Instant Direct Access itself is priced at $699.
| Firm | Price | Target | Max loss |
|---|---|---|---|
| Maven Trading | $380 Instant funding | None (instant) | 3% |
| FundingPips | $444 Zero | None (instant) | 5% |
| Instant Funding | $484 IF Starter | None | 4% |
| Atmos Funded | $649 Instant Funding | None | 5% |
| Goat Funded Trader | $657 Instant HERO | None (instant) | 5% |
| Funding Traders | $749 Instant Funded | None | 6% |
Our honest take
5 firms charge less at this size, so it's worth comparing the rules before you commit. The firm doesn't have a Trustpilot score yet.
Questions people ask
How much is AIFO Instant Direct Access at 100K?
$699. Depending on the size you choose, it ranges from $69 (5K) to $699 (100K).
What target and loss limits does Instant Direct Access have?
You need to reach None. You can lose at most 3% in a day and 5% in total, and the drawdown is trailing.
How often does Instant Direct Access pay?
Payouts happen On request, and your share is 70%.