InstantFunding — Clarity Products

IF Micro Clarity & One Phase Clarity — the marketing says “Risk Management Toolkit”, the rules say “permanent penalty on normal trading”.

This product line has a fundamentally different risk profile from InstantFunding's other offerings.

The Products

Rule	IF Micro Clarity	One Phase Clarity
Type	Instant funded	One-phase evaluation
Profit Target	None (5% to payout)	9% to pass
1st Target (effective)	5%	10.5% (9% + 1.5% min withdrawal)
Max Daily Loss	4%	4%
Max Drawdown	6% trailing
Risk Management Toolkit	Equity auto-close at 1.5%	Equity auto-close at 2%
	First trigger permanently drops split to 50%, second trigger breaches the account
Profit Split	80% (90% with add-on) — 50% after RMT trigger
Consistency	15%	None stated
Payout	On demand	Instant, then every 7 days (1.5% min)
Scaling	+25% every 90 days at 10% profit, up to 2x starting size
Leverage (funded)	Forex 1:30, Indices 1:20, Metals/Oil 1:5*
Inactivity	60 days

Funded leverage on metals, oil and indices is reduced to 1:5 (“temporarily”).

The Risk Management Toolkit

What it is

InstantFunding markets this as a “Risk Management Toolkit” — a set of automated safeguards to protect traders from large drawdowns. In practice, it’s an equity auto-close: if your floating P&L exceeds the threshold, positions are force-closed.

This is functionally identical to Blue Guardian’s “Guardian Shield”. The difference is that InstantFunding is upfront about it — it’s named, documented, and explained on the product page. Credit where it’s due: they’re not hiding the mechanic. Whether the mechanic itself is good for traders is a different question.

The Trailing Drawdown

Not the same as Standard or Micro

InstantFunding’s Standard products use smart drawdown (static that locks tighter). Micro products use static drawdown (never changes). Clarity uses trailing drawdown — the floor follows your highest closed balance.

With a 9% target and 6% trailing DD on the One Phase, the math is brutal: you need to gain 9% without ever pulling back 6% from your peak. You can never build a cushion. For context, FTMO gives you 10% static DD with similar targets.

Leverage Mismatch

Bottom line: The Clarity line combines trailing drawdown with an equity auto-close that permanently penalises normal trading behaviour. Each of these alone would be a yellow flag. Together they create products where the odds are structurally stacked against the trader. InstantFunding deserves credit for being transparent about the RMT mechanic — but transparency doesn’t make the mechanic fair. Their Standard and Micro products don’t have these issues.

Visit InstantFunding

Note from SwingFish

InstantFunding is generally a decent firm — their Standard and Micro products are rated "Positive" for a reason. The Clarity products, however, are not something we would recommend. The trailing drawdown combined with the equity auto-close creates a scenario where normal trading behaviour triggers penalties. That said, unlike some competitors, InstantFunding is at least honest about what the RMT does. The product is bad; the disclosure is not.

All data sourced from publicly available websites, trading rules pages, FAQ sections, and Terms & Conditions documents. Payout success ratings are based on verified trader reports, public reviews, and personal experiences where noted. Important: several firms maintain separate web and PDF terms that contain conflicting language — the PDF is the controlling document. Always read the full PDF terms before purchasing any account. This is educational material — always verify current terms directly with the firm.

Updated: Jun 24, 2026