At a glance
Instant has no evaluation, so it has no profit target. Instead, every Instant payout cycle has to reach two things before you can request a payout:
at least 3% net profit on the balance the cycle started with; and
5 qualifying days, each with profit of at least 0.5% of that same balance.
Every funded account on every product has the same 3% condition and its own number of qualifying days. Instant has no consistency rule.
The gate repeats every cycle. A new cycle starts after each completed payout, and it needs 3% net profit and 5 qualifying days again, measured from that cycle's starting balance.
The gate and the loss limit are different things:
The 3% payout gate | The 6% trailing loss limit | |
What it is | Net profit the cycle must make before a payout: 3% of the balance the cycle started with | The floor the account must stay above. It trails the highest closed balance by 6% of your starting balance, and locks at your starting balance once the account is 6% up |
At 3% up in the first cycle | Met | Not locked: on a $100K account the floor is $97,000, still below the starting balance |
After a payout | Needed again in the new cycle | Starts again from the balance left after the payout, which becomes the new starting balance |
Key rule: Reaching 3% is not the only payout condition. The qualifying days, the 14-day wait unless you bought Payout On Demand, the $100 minimum and review still apply, and rewards are discretionary. The gate makes a request eligible on this one condition; it is not approval.
How the gate works
Measure from the cycle's starting balance. In the first cycle of a $100K Instant account, 3% means $3,000 of net profit. Net means after commissions and swaps, and profit removed under the news rule does not count.
Count the qualifying days in the same cycle. 5 days, not necessarily in a row, each with profit of at least 0.5% of the cycle's starting balance.
Check the other payout conditions:
at least 14 days since the cycle started, unless you bought Payout On Demand with the account, which removes that wait and nothing else. The first cycle starts at your first trade on the account; each later cycle starts when the previous payout is completed and paid
all positions closed and pending orders cancelled, and valid identity verification. The account is read-only while your request is pending
the payout must leave at least 1% of the cycle's starting balance above the loss floor
the minimum payout is $100 after your reward share
every request goes through a risk review before it is paid
You choose when and how much. Once the conditions are met, you decide when to request and how much of the eligible profit to request. Once a payout is completed and paid, the trailing loss limit starts again from the balance left in the account, which becomes the new starting balance.
Worked examples
A $100K Instant account in its first cycle. The 14-day wait is over and all positions are closed. These are calculations, not payout decisions.
Situation | Net profit | Qualifying days | Result |
Just short of the gate | $2,900 (2.9%) | 6 | Not eligible: below 3% |
Gate reached, days short | $3,000 (3.0%) | 4 | Not yet eligible: 5 qualifying days are needed |
Both met | $3,000 (3.0%) | 5 | This gate is met. The request still goes through the remaining conditions and review |
Next cycle | A new cycle starts once the payout is completed | — | The next payout needs 3% net profit and 5 qualifying days again, measured from the new cycle's starting balance |
Loss floor alongside the gate (6% trailing):
Highest closed balance | Floor |
$100,000 (start) | $94,000 |
$103,000 (3% up, the gate) | $97,000 |
$106,000 (6% up) | $100,000, locked |
Example: At 3% up the gate is met, but the loss floor has only risen to $97,000. It locks at $100,000 when the closed balance reaches $106,000, not before.
What the gate is not
The gate applies to every payout cycle, not just the first one. Reaching 3% in the last cycle does not carry over: each new cycle needs its own 3%.
Meeting the gate is not approval. It makes a request eligible on this condition. Other conditions and review still apply, and rewards are discretionary.
The gate is not a trading target. It is not a reason to add risk to reach 3%.
The gate does not include your reward share. It is measured on the account's net profit. Your reward share is calculated separately. See Understanding your reward share (profit split).
Why Instant has it. Instant skips the evaluation, so this cycle profit condition takes the place of an evaluation target on each payout. Funded accounts on the other products have the same 3% condition.
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Next step
If you believe your account met the gate and the other conditions but a payout was not available, message us in the chat and ask for a person. Include your account number, the cycle dates and a screenshot. A person checks your specific account. For a payout you have already requested, see My payout is pending: where is it?. Every way to reach us is in How to contact EverFunded support.