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July 15, 2026 · Updated October 26, 2026 · 5 min read

1-Step, 2-Step or Instant: Choosing the Right IXU Challenge

By Usman Khalid, founder and owner of IXU Capital

Three routes to funding at IXU Capital. Here's how the 1-Step, 2-Step and Instant models differ — targets, limits, payout cycles and splits — and which suits your trading style.

IXU Capital offers three paths to a funded account. They share the same foundations — static drawdown, no time limit, and approved payouts sent within 5 hours of approval — but differ in how you qualify, how often you are paid and the split you keep.

1-Step

One evaluation phase with a 10% target, a 4% daily loss limit and a 6% static overall limit. Hit the target once, respect the rules, and you're funded. Payouts every 14 trading days at an 80% split, and your fee is refunded with your 4th payout.

2-Step

Two phases with lower targets — 8%, then 5% — a 5% daily loss limit and a 10% static overall limit, the most room of any model. Payouts every 14 trading days at an 80% split, with your fee refunded with your 4th payout.

Instant

No target and no evaluation — funded from day one, with a 3% daily and 6% overall limit. Payouts unlock every 5 profitable trading days, the split starts at 50% and steps up to 80%, and the fee is not refundable.

Want to withdraw any day?

1-Step and 2-Step also come as Daily Payouts accounts: a 12% target (12% then 6% on Two-Step), 4% daily and 8% overall limits, up to a 90% split, and a payout request on any day once you are 1% in profit.

Which should you pick?

  • Want the direct route and trust your edge? 1-Step.
  • Prefer smaller targets per phase and more drawdown room? 2-Step.
  • Ready to trade funded immediately? Instant.
  • Want to be paid on any day? A Daily Payouts account.

Whichever you choose, your rules are locked at purchase and shown on your dashboard from the first minute. The current fee for every model and size is in the pricing section of our homepage.

Get funded with IXU Capital

Up to $200K · keep up to 90% · $300K+ paid to traders · approved payouts sent within 5 hours.

Start a challenge →

Who owns IXU Capital?

Usman Khalid is the founder and owner of IXU Capital. More about IXU Capital and its owner →

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