AIFO Instant Direct Access: cost and rules (2026)
AIFO Instant Direct Access is a instant challenge offered in 5 sizes, from 5K up to 100K. At 100K it costs $699; you need None profit and must stay within a 3% daily loss and 5% overall loss.
What each size costs
Same rules at every size: None target, 3% daily loss, 5% max loss, 70% split.
Cost per $1,000 of account size. Lower means more capital for your money.
Instant Direct Access cost by account 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% |
Standard prices before coupons, checked on 14 November 2026. Prices change often, so check the firm's own site before paying.
The rules that matter
Drawdown here is trailing: the floor rises as your balance makes new highs, so giving back a winning run can still end the account. A consistency rule applies (Best day 20%): one day can't account for too large a share of your total profit. You have no deadline.
Other 100K options
Other instant challenges at 100K, lowest price first. Instant Direct Access costs $699 for comparison.
| 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% |
| AquaFunded | $505.33 Instant Funding Standard | None (instant) | 5% |
| Blue Guardian | $623 Instant | None | 6% |
| Atmos Funded | $649 Instant Funding | None | 5% |
Our take
6 firms charge less at this size, so weigh the rules before buying. There is no Trustpilot rating for the firm yet.
Common questions
What does AIFO Instant Direct Access cost at 100K?
$699. Across sizes it runs from $69 (5K) to $699 (100K).
How much profit does Instant Direct Access need, and how much can I lose?
You need None to pass. Daily loss is capped at 3% and total loss at 5%, using a trailing drawdown.
How often can you withdraw on Instant Direct Access?
Payouts: On request. Your split: 70%.