Instant Funding vs TradeDay (2026): rules, payouts, fees and AI visibility compared
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Data refreshed 24 Sep 2026 · Compiled by David Ispiryan · Instant Funding facts verified by BrokerCatalogue research desk (from the firm's own site) on 2026-09-24 · TradeDay facts verified by BrokerCatalogue research desk (from the firm's own site) on 2026-09-24
AI visibility score 14.7 / 100 · AI visibility rank #7 · Founded 2022
Instant Funding is a proprietary trading firm based in London, United Kingdom, founded in 2022. It offers one-step, two-step, instant-funding evaluations on forex, indices, commodities, crypto. Funded accounts go up to $400,000…
AI visibility score 2.6 / 100 · AI visibility rank #25 · Founded 2020
TradeDay is a proprietary trading firm based in Chicago, United States, founded in 2020. It offers one-step evaluations on futures. Funded accounts go up to $150,000. The profit split is 80% Funded…
Instant Funding (London, United Kingdom, founded 2022) scores 14.7 / 100 on the Q3 2026 AI Visibility Index (rank #7 of 76 prop firms), named in 22% of AI answers, runs Instant funding, One-step, Two-step evaluations, funds accounts up to $400,000 challenge / $80,000 instant (scaling to $3,840,000), pays a 80% (up to 90%) profit split and offers cTrader, Match-Trader, MT5. TradeDay (Chicago, United States, founded 2020) scores 2.6 / 100 on the Q3 2026 AI Visibility Index (rank #25 of 76 prop firms), named in 4% of AI answers, runs One-step evaluations, funds accounts up to $150,000, pays a 80% Funded Sim, 90% Funded Live (50/50 below $4k net profit on some plans) profit split and offers Jigsaw, Quantower, Rithmic, Tradovate.
Verdict at a glance
Instant Funding leads on AI visibility, how often AI names it, AI sentiment, choice of evaluation models, asset-class range and maximum allocation.
TradeDay leads on track record and platform choice.
Level on profit split.
Scored on 9 measurable dimensions where both prop firms have verified data. Dimensions missing for either side are excluded rather than guessed. This is a data summary, not a recommendation.
Instant Funding vs TradeDay: side-by-side data
Criteria
Instant Funding
TradeDay
AI visibility score
14.7 / 100
2.6 / 100
AI visibility rank
#7
#25
Named in AI answers
22%
4%
AI sentiment (0–100)
17
4
Founded
2022
2020
Headquarters
London, United Kingdom
Chicago, United States
Evaluation models
Instant funding, One-step, Two-step
One-step
Asset classes
Commodities, Crypto, Forex, Indices
Futures
Platforms
cTrader, Match-Trader, MT5
Jigsaw, Quantower, Rithmic, Tradovate
Maximum allocation
$400,000 challenge / $80,000 instant (scaling to $3,840,000)
$150,000
Profit split
80% (up to 90%)
80% Funded Sim, 90% Funded Live (50/50 below $4k net profit on some plans)
14 days after first trade then weekly (Instant); on demand (One-Phase)
day-one payouts (min 1 to 5 days to payout by plan)
Daily drawdown limit
none (Instant); 3% (One-Phase)
none
Maximum drawdown
10% (locks to 5% after 5% profit) (Instant)
trailing $1,000 on 25k (intraday or end-of-day by plan)
Minimum trading days
none
1
Time limit
none
none
News trading
Restricted
Not verified
Weekend holding
Restricted
No
Status
active
active
Highlighted cells mark the stronger value where a direction is objectively better (e.g. more licences, lower fees). "Not verified" means the field is not yet in our catalogue for that prop firm — we never fill gaps with estimates.
AI visibility by engine: Instant Funding vs TradeDay
Engine
Instant Funding
TradeDay
ChatGPT
14.2
1.5
Perplexity
10.8
0.5
Gemini
19
7.8
Claude
11.2
4.5
Google AI Mode
18.5
1.6
Google AI Overview
20.8
0
Google top-10
13.7
0
Scores 0–100 from the Pipswire AI Visibility Index, Q3 2026. Higher means the engine names the firm more often and more favourably.
Instant Funding vs TradeDay: common questions
Which prop firm do AI assistants recommend more, Instant Funding or TradeDay?
Instant Funding scores higher on the Q3 2026 Pipswire AI Visibility Index (14.7 / 100 vs 2.6 / 100), which measures how often ChatGPT, Perplexity, Gemini, Claude and Google name a firm when traders ask which prop firm to use.
What profit split do Instant Funding and TradeDay pay?
Instant Funding pays 80% (up to 90%); TradeDay pays 80% Funded Sim, 90% Funded Live (50/50 below $4k net profit on some plans) (as published on each firm's site when we last checked).
Which platforms do Instant Funding and TradeDay support?
How do the drawdown rules compare at Instant Funding and TradeDay?
Instant Funding: maximum drawdown 10% (locks to 5% after 5% profit) (Instant), daily none (Instant); 3% (One-Phase). TradeDay: maximum drawdown trailing $1,000 on 25k (intraday or end-of-day by plan), daily none.
Risk warning: prop firms are not regulated brokers or investment firms. Evaluations are paid, fees are usually non-refundable, most accounts are simulated, and a firm can change its rules or stop paying out. Most participants fail the evaluation. Nothing on this page is financial advice; read the firm's terms before you pay. Full risk disclosure.