AIFO Instant Direct Access: prices, rules and payouts (2026)
AIFO's Instant Direct Access is a instant challenge you can take in 5 sizes, from 5K to 100K. At 100K it's $699. You'll aim for None profit while keeping daily losses under 3% and total losses under 5%.
AIFO Instant Direct Access against other Instant funding 100K challenges
Needle = AIFO. Tick = the middle of 32 similar challenges.
Instant Direct Access prices by 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% |
Regular prices without promo codes, checked on 14 November 2026. Firms update prices a lot, so please double-check on their site before you buy.
Rules worth knowing
The drawdown trails: your loss limit climbs whenever your balance hits a new high, so a hot streak followed by a cold one can still cost you the account. There's a consistency rule (Best day 20%), so no single day can make up too much of your total profit. There's no time limit, so take your time.
Other 100K challenges to consider
Here are other instant challenges at 100K, cheapest first. For comparison, Instant Direct Access costs $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% |
| AquaFunded | $505.33 Instant Funding Standard | None (instant) | 5% |
| Atmos Funded | $649 Instant Funding | None | 5% |
| Goat Funded Trader | $657 Instant HERO | None (instant) | 5% |
What we think
6 firms are cheaper at this size, so it's worth comparing the rules first. This firm doesn't have a Trustpilot rating yet.
Questions traders ask us
How much is AIFO Instant Direct Access at 100K?
It's $699. Depending on size, you'll pay anywhere from $69 (5K) to $699 (100K).
What target and limits come with Instant Direct Access?
You'll need None to pass. The daily loss limit is 3% and the overall limit is 5%, with a trailing drawdown.
How often does Instant Direct Access pay out?
Payouts come On request, and you keep 70%.