PipFarm
A cTrader-only prop where you choose a challenge as "mode (Classic / Endurance / Consistency) × format (2-Stage / 1-Stage)." The split starts at 70% and rises to as much as 99% as you rack up payouts and level up your XP rank. Scales up to $1.5M max (rules and prices confirmed via the official help center on September 27, 2026).
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All plans
Plans compared
Classic 2-Stage
Classic 1-Stage
Endurance 2-Stage
Endurance 1-Stage
Consistency 2-Stage
Consistency 1-Stage
Pros and cons
+Pros
- ✓The Consistency mode's $100K is a cheap $280 (Classic $490, Endurance $420; confirmed officially September 27, 2026).
- ✓All three modes let you pick 2-Stage, static 1-Stage, or trailing 1-Stage at the same price.
- ✓Max loss is static (except for trailing 1-Stage). +1% once you reach rank 2 or higher.
- ✓No restrictions on news trading.
- ✓Your own EAs/cBots can be used on every account.
- ✓Every 5 payouts adds funds to the account (10% of the initial balance at rank 0, up to $1.5M max).
-Cons
- ✗The split starts at 70%. It rises one step per payout (70 → 75 → 80%...) up to the cap for your rank (up to 99% max).
- ✗The standard payout cycle is every 30 days. The per-payout cap starts at 3% of balance and rises +1% per payout up to 6%, and is also capped at $5,000 per payout.
- ✗From the 2nd payout on, the max-loss cushion shrinks by exactly the amount withdrawn (with a floor of 1% of the initial balance; the 5th payout's fund infusion restores it to the original ratio).
- ✗Daily loss is 3% (4% at rank 4 or higher).
- ✗Funded accounts have the Pip Protector (a cap on losses within a 60-minute window; hitting it triggers a full close and halves the cap, and a 3rd hit ends the account).
- ✗No fee refund by default (the refund add-on costs 10% of price).
- ✗Each stage has a standard 90-day deadline.
- ✗No MT4/MT5 support (cTrader only).
- ✗Commercially sold or distributed EAs are banned.
Trading rules
!Prohibited
- ✗Using commercially sold or distributed EAs/bots (e.g. ones obtained from the MQL5 Market or the cBot marketplace)
- ✗Hedging across multiple accounts (including hedging against another PipFarm user's account or another firm's account)
- ✗Tick scalping (HFT) that exploits platform latency or delayed price feeds
- ✗Splitting a single trade idea into partial closes to inflate profit days or consistency scores
- ✗Buying a large number of accounts hoping some pass by chance (account churning)
- ✗Multiple people from the same family/household using the service
✓Allowed
Platforms
FAQ
How do the modes (Classic, Endurance, Consistency) differ?
They differ in what's required to pass and to withdraw (confirmed via the official help center, September 27, 2026). Classic requires 3 trading days per stage (any day with at least one closed trade), with targets of 9% → 6% for 2-Stage and 12% for 1-Stage. Endurance requires "profit days" where your end-of-day balance rises by at least a set amount over the previous day (4 days for 1-Stage, 3 days per stage for 2-Stage), with targets of 8% → 5% and 10%. Consistency requires a consistency score of "your best day is at most 40% of total profit," with targets of 6% → 6% and 9%. At $100K, prices are Classic $490, Endurance $420, Consistency $280. Classic and Endurance also apply a 50% consistency check at withdrawal on the Funded account.
What do the modes cost?
Per the official help center's Challenge Mode Comparison (confirmed September 27, 2026), in the order Classic / Endurance / Consistency: $5K is $35/$30/$25, $10K is $60/$50/$40, $20K is $110/$90/$70, $50K is $260/$220/$160, $100K is $490/$420/$280, and $150K is $720/$590/$420. For the same mode and size, 2-Stage, static 1-Stage, and trailing 1-Stage all cost the same. There are currently no $200K or $300K accounts.
What's the profit split?
Your first payout is always at 70%. It rises one step per payout (75% on the 2nd, 80% on the 3rd...) up to the cap for your current rank. Rank is determined by experience points (XP), and the caps run from 70% at rank 0 to 99% at rank 6. XP accrues from buying a challenge, passing, withdrawing, completing KYC, and so on — Consistency mode earns double XP for passing and withdrawing. There's also a separately sold "Extra Profit Share" add-on (20% of price) that adds +10%.
When and how much can I withdraw?
The standard payout cycle is 30 days (14 days costs +15% of price, 7 days +30%, on-demand +50%). The per-payout cap starts at 3% of balance and rises +1% per payout up to 6%, and is also capped at $5,000 per payout. The floor is 1%. Profit above the cap stays in the account and carries over to the next payout. Review and payment each take 2–3 business days, and you can only receive a payout once every 7 days even if you hold multiple accounts. Classic, Consistency, and Endurance accounts bought before August 27, 2026 are on the old rule, where the cap runs up to 12%.
What happens to max loss when I withdraw?
It doesn't change on the 1st payout. From the 2nd payout on, your max-loss cushion shrinks by the exact amount you withdrew (the Sustainable Scaling Program, started August 19, 2026). The cushion never goes below 1% of the initial balance. Your 5th payout adds a set percentage of the initial balance to the account (10% at rank 0), which also restores the cushion to its original ratio. Since more payouts make you easier to fail, size your withdrawals with the remaining cushion in mind.
Can I use EAs / automated trading?
Yes, on every account — but only ones built on your own approach. Running a bot you bought or that was distributed via the MQL5 Market or the cBot marketplace is treated the same as copying someone else's trades, and ends the account. PipFarm may ask you to explain your approach, and being unable to answer can also end the account. Trading is cTrader-only, so an MT4/MT5 EA can't be used as-is.
What is the Pip Protector?
It's a loss rule for Funded accounts. Starting from when you first open a position, it tallies your loss (including floating loss) until you go 60 minutes flat with no position, and hitting the cap closes all positions. The 1st hit halves the cap, the 2nd halves it again and permanently halves the split, and the 3rd ends the account. The cap percentage for Classic, Endurance, and Consistency Funded accounts is said to be "shown when you choose your challenge," and isn't documented in the help center.
Is there an instant-funding account?
Yes — three types: EOD Trailing, Equity Trailing, and Payout Trailing. All three share a 6% withdrawal target, require 5 "win days" (a day with 0.5%+ profit where balance exceeds the initial balance), and cap payouts at 3%–6%. Max loss is a 5% end-of-day trailing for EOD, a 6% equity-trailing for Equity, and 4% for Payout (which shrinks with each payout). Consistency is 25%, 30%, and 20% respectively. The EOD type has no daily loss limit and pays out every 7 days. Pricing isn't listed in the official help center and remains unconfirmed.
Can I hedge (open opposing positions)?
Within the same account, yes — for the same instrument or a correlated one. Hedging across two or more accounts is banned, including hedging against another PipFarm user's account or another firm's account. If found, every account involved is failed.