OFP Funding was founded in 2021 and operates as a simulated trading prop firm for forex trading, positioning itself as one of the first firms to offer an instant funding model. The firm is owned by OFP Funding Ltd, a Saint Lucia corporation (company number 2024-00577) located at Ground Floor, The Sotheby Building, Rodney Village, Rodney Bay, Gros-Islet, St. Lucia. Payment processing is handled by FINTEKNOLOGY LTD. UK (Company Number: 15131112), registered at 48 Warwick Street, London, W1B 5AW, United Kingdom.
OFP offers two distinct funding paths: an instant funding model with four account tiers (Lite, Classic, Pro, Prime), and a challenge model with a 1-phase and a 2-phase option. All accounts trade simulated capital; payouts are funded from OFP’s own capital based on demo trading performance. The firm supports forex, indices, metals, energies, and crypto.
OFP states it has paid out over $23,500,000 to more than 800,000 traders worldwide. It does not hold any regulatory license and is not a financial broker. MT5 services are explicitly not intended for U.S. citizens or residents.
Account Types & Pricing
OFP offers six purchasable account configurations across two modes: Challenge Mode (1-Phase and 2-Phase) and Instant Mode (Lite, Classic, Pro, Prime). This review covers the Challenge Mode accounts in full. The Instant Mode accounts are noted below for completeness, but pricing and per-tier rule details for those programs are not confirmed in the source data and are flagged as gaps.
Challenge Mode — 1-Phase
The 1-Phase Challenge is a single-evaluation model. You trade through one phase, hit the profit target, and move to a funded account. There’s no second evaluation step.
Account sizes run from $5,000 to $200,000. All prices below are retail prices at the 80% profit split. A 100% profit split option is available at checkout for an additional cost; that pricing is not confirmed in the source data.
| Account Size | Price (80% split) |
|---|---|
| $5,000 | $35 |
| $10,000 | $60 |
| $25,000 | $110 |
| $50,000 | $190 |
| $100,000 | $299 |
| $200,000 | $535 |
The challenge fee is a one-time payment. No refund applies on passing. OFP’s refund policy covers only unused accounts within 14 calendar days of purchase — once a trade is placed, no refund is available. Reset pricing is not confirmed in the source data and should be verified before publishing.
Challenge Mode — 2-Phase
The 2-Phase Challenge adds a second evaluation phase before the funded stage. Phase 1 has a higher profit target; Phase 2 uses a lower target. The 2-Phase model offers more relaxed drawdown rules (5% daily / 10% overall) compared to the 1-Phase (3% daily / 6% overall) and higher leverage (1:100 vs. 1:50).
Account sizes run from $10,000 to $200,000. All prices below are retail prices at the 80% profit split. A 100% profit split option is available at checkout for an additional cost; that pricing is not confirmed in the source data.
| Account Size | Price (80% split) |
|---|---|
| $10,000 | $40 |
| $25,000 | $70 |
| $50,000 | $140 |
| $100,000 | $210 |
| $200,000 | $385 |
Instant Mode (Lite, Classic, Pro, Prime)
OFP also offers four instant funding accounts — Lite, Classic, Pro, and Prime — where you access simulated capital from day one without any evaluation phase. Instant Pro is a distinct variant with no Inconsistency Score, a 90% profit split, 14-day payout cycle, 3% daily / 6% overall drawdown, and 1:30 leverage. Full pricing for all Instant Mode tiers and account sizes is not confirmed in the source data and is flagged as a gap. The source confirms account sizes range from $5,000 up to $200,000.
Challenge Structure
Phase Overview
The 1-Phase Challenge has two stages: Phase One (evaluation) and Funded. You complete a single evaluation phase, hit the profit target, and transition directly to the funded stage.
The 2-Phase Challenge has three stages: Phase One, Phase Two, and Funded. You must complete both evaluation phases before reaching the funded stage. Phase One carries an 8% profit target; Phase Two carries a 4% profit target.
All funded accounts operate on simulated capital. OFP’s own capital funds the payout rewards.
Profit Target
The profit target is uniform across all account sizes within each challenge type — it doesn’t change between a $5,000 and a $200,000 account.
1-Phase Challenge
| Stage | Profit Target |
|---|---|
| Phase One | 8% |
| Funded | None |
2-Phase Challenge
| Stage | Profit Target |
|---|---|
| Phase One | 8% |
| Phase Two | 4% |
| Funded | None |
Profit targets are expressed as a percentage of the account balance.
Phase 1 Rules
The 1-Phase and 2-Phase challenges share different drawdown parameters. Rules specific to each challenge type are shown in the Drawdown Rules section below. The conditions that apply uniformly to Phase One in both challenge types are:
- Minimum trading days: 5
- Maximum trading days: Unlimited
- News trading: Permitted (with restrictions — see Trading Rules)
- Consistency ratio: No consistency requirement
- 1% Rule: No (the 1% maximum risk rule does not apply to challenge phases — it is listed as “No” in the pricing table for both challenge types)
- Platform: cTrader / TradingView
Phase 2 Rules
Phase 2 applies only to the 2-Phase Challenge. Rules are identical to Phase 1 for this challenge type: 5-day minimum trading days, unlimited maximum trading days, no consistency ratio, no 1% Rule, and the same 5% daily / 10% overall drawdown limits. The only difference from Phase 1 is the profit target, which drops from 8% to 4%.
Drawdown Rules (Challenge)
The two challenge models use different drawdown parameters. The 1-Phase uses tighter limits; the 2-Phase uses more room to trade.
Drawdown Values
| Challenge Type | Overall Drawdown | Daily Drawdown |
|---|---|---|
| 1-Phase | 6% | 3% |
| 2-Phase | 10% | 5% |
The overall drawdown is calculated from the starting balance or from the balance at the last approved reward. The daily drawdown is calculated from the equity recorded at the end of the previous trading day (midnight GMT+2, adjusted for DST).
Example (5% daily): If your equity at the end of Monday is $105,000, your Tuesday daily loss limit is $5,250 (5% × $105,000). Your equity cannot drop below $99,750 at any point on Tuesday.
Daily Loss Limit
The daily loss limit is a separate ceiling that resets every day at midnight GMT+2. For the 1-Phase Challenge it is 3%; for the 2-Phase Challenge it is 5%. If your equity drops below this limit at any point during the trading day, the account is closed immediately.
Drawdown Calculation Method
The daily drawdown is EOD trailing — the drawdown level is calculated from the equity recorded at end-of-day (midnight GMT+2, with DST). Intraday equity peaks do not move the daily loss level during the same session; it updates only at the day-close snapshot.
Note: The Instant Pro FAQ describes its daily drawdown as trailing on balance intraday. The challenge account rules page uses the EOD equity definition quoted above. These are distinct models with different calculation methods.
The overall drawdown is static — it is set at account creation based on the starting balance (or resets to the balance at the last approved reward). It does not trail up as your balance grows during a challenge phase.
Drawdown Lock
No drawdown lock is described for the challenge stage in the source data. The overall drawdown level resets to the last approved reward balance, not to the all-time high balance during the challenge. If no reward has been approved, it is calculated from the starting balance.
Funded Account Rules
Drawdown Rules (Funded)
The funded stage uses the same drawdown values as the challenge phase the account came from. Source data confirms these values carry forward and the rules governing them apply throughout the funded stage.
Drawdown Values
| Challenge Origin | Overall Drawdown | Daily Drawdown |
|---|---|---|
| 1-Phase Funded | 6% | 3% |
| 2-Phase Funded | 10% | 5% |
The overall drawdown is calculated from the starting balance or from the balance at the last approved reward. If your balance at the last reward was $110,000 and your overall drawdown is 10%, your equity cannot drop below $99,000.
Daily Loss Limit
The daily loss limit at the funded stage matches the challenge stage: 3% for accounts originating from the 1-Phase Challenge and 5% for accounts originating from the 2-Phase Challenge. The same EOD reset applies.
Drawdown Calculation Method
EOD trailing — the daily drawdown level is calculated from the equity recorded at end-of-day (midnight GMT+2, with DST), consistent with the challenge phase.
Drawdown Lock
No drawdown lock is described for the funded stage in the source data. The source notes that the overall drawdown level resets after each approved reward. If your equity approaches the overall drawdown level, the account closes immediately and permanently.
Consistency Rule (Funded)
The Inconsistency Score applies to funded accounts and directly governs payout eligibility. It compares your best day’s profit (positive delta) to your total profit or loss during the same trading period. The threshold varies by payout plan:
- On-Demand accounts: score must be below 10%
- Bi-Weekly accounts: score must be below 15%
- Monthly accounts: score must be below 20%
Example: If your total profit for the period is $1,000 and your best single day earned $150, your score is 15%. A Bi-Weekly account trader would just pass; an On-Demand trader would not.
The Inconsistency Score is described as a soft rule — it doesn’t close your account, but it blocks payout eligibility for that period. The score resets after each approved reward.
The Challenge Mode funded accounts use Bi-Weekly payouts, so the applicable Inconsistency Score threshold for those accounts is below 15%.
The 1-Phase and 2-Phase challenge pricing tables show “No” under Consistency Ratio for the funded stage. This conflicts with the Inconsistency Score documentation in the help center, which explicitly states it applies to bi-weekly accounts. This should be verified before publishing — the “No” in the table may refer to a hard consistency rule that blocks account continuation (as opposed to the softer score that only blocks payouts).
Lot Size Limits (Funded)
Specific lot size limits per account size at the funded stage are not confirmed in the source data. The source does state that using lot sizes exceeding 3.5 times the trader’s most commonly used lot size on a given instrument is considered gambling behavior and can result in an account reset. Maximum and minimum lot sizes as fixed limits are not documented. This should be verified before publishing.
Leverage
The two challenge types offer different leverage:
| Challenge Type | Leverage |
|---|---|
| 1-Phase (all stages) | 1:50 |
| 2-Phase (all stages) | 1:100 |
The trading rules page confirms leverage varies by asset class for Instant Classic accounts (dynamic, up to 1:100). For the challenge accounts, the source confirms the headline leverage figures above but states that leverage may be reduced by OFP in cases of rule violations. Asset-class-specific leverage breakdowns for challenge accounts are documented in the trading rules page (for the Instant Lite tab):
| Instrument | Max Leverage |
|---|---|
| FX | 1:30 |
| Metals | 1:10 |
| Crypto | 1:2 |
| Indices | 1:20 |
| Energies | Not confirmed in extracted text |
Note: These asset-class figures appear in the Instant Lite section of the trading rules page. Whether identical limits apply to challenge accounts is not explicitly confirmed in the source data and should be verified before publishing.
Profit Split
Both challenge types offer an 80% profit split at the base retail price, or a 100% split as a paid add-on selected at checkout. The exact additional cost of the 100% split option is not confirmed in the source data.
Payouts at the funded stage are called “Rewards.” They are calculated on the delta (net eligible profit) for the period, multiplied by the applicable profit split percentage.
Payout Rules
First Payout Requirements
The first reward request may be submitted 14 calendar days after the first trade is executed on the funded account, provided all trading criteria have been met. These criteria include:
- No breach of daily drawdown
- No breach of overall (maximum) drawdown
- Inconsistency Score within the applicable threshold
- No prohibited strategies detected
- Minimum 5 trading days completed
The account must also have a positive delta (net profit) for the period.
Subsequent Payout Requirements
After the initial reward, subsequent reward requests may be submitted after each additional 14-day period (bi-weekly). The profit calculation period resets after every approved reward. All trading criteria must continue to be satisfied each period.
Payout Frequency
Challenge funded accounts pay out bi-weekly — every 14 calendar days, once all criteria are met for that period.
Payout Buffer
No payout buffer is required for challenge accounts. The source data does not specify a minimum profit level that must be built before the first payout request.
Daily Progression Rule
No daily progression rule is described for challenge accounts in the source data.
Payout Caps & Limits
No maximum withdrawal limit applies. OFP states: “There is no maximum withdrawal limit, providing full flexibility in accessing your earnings.” No minimum withdrawal amount is imposed either.
There is a fee structure based on withdrawal size:
- Withdrawals below $500: processed via cryptocurrency (USDC, ERC-20 or Polygon network) or bank transfer, with no fees charged.
- Withdrawals $500 and above: processed through the Rise platform, subject to a fixed $50 Rise processing fee deducted directly from the payout amount.
Scaling Plan
The source data includes a scaling plan under the trading rules page. The plan describes the following: if, at the end of a three-month period, the account achieves a total profit of 20%, you are entitled to receive a 25% return on your initial deposit. Specific tiers beyond this description and the mechanics of whether account size or lot limits increase are not detailed in the source text. The total manageable capital across all accounts is capped at $300,000 per trader.
Live Account Pathway
OFP does not offer a live funded account stage. All trading is conducted on simulated capital. Payouts are funded from OFP’s own capital based on demo trading performance, not from live market positions. The source confirms: “The Company does not carry out any regulated activities; the Company’s exclusive activity is simulated trading.”
Trading Rules & Restrictions
Permitted Instruments
OFP supports trading across five asset classes: forex, crypto, indices, metals, and energies (oil). The main page lists the following forex pairs as examples: EUR/USD, GBP/USD, USD/JPY, EUR/JPY, AUD/USD. A complete instrument list is not confirmed in the source data — the source confirms the asset class categories but not a full symbol list by name.
Trading hours for forex pairs are listed as 24/5.
Trading Hours & Overnight Policy
Forex instruments trade 24/5. Overnight and weekend holding policies are not explicitly documented for challenge or funded accounts in the source data. Whether swap/rollover charges apply to overnight positions is also not confirmed. This should be verified before publishing.
News Trading Policy
Trading during economic news releases is permitted with restrictions. OFP prohibits news straddling, which it defines as opening simultaneous long and/or short positions immediately before a high-impact economic announcement with the intention of capturing volatility spikes that are not replicable in live market conditions.
The specific restriction: opening new trades is prohibited from 2 minutes before until 2 minutes after the release of high-impact economic news (a total 4-minute window). This applies to both challenge and funded stages — the pricing tables for both challenge types list “Yes” under News Trading, indicating trading around news is permitted, while the trading rules page details the straddling prohibition.
A violation of the news trading restriction results in denial of payout for the affected cycle, not immediate account closure.
The source recommends using https://www.investing.com/economic-calendar/ to track high-impact news events.
Expert Advisors & Copy Trading
Expert Advisors: The use of publicly distributed or commercially available third-party EAs designed to exploit platform inefficiencies or coordinated trading behavior is prohibited. Private or custom EAs that trade within OFP’s rules are not explicitly prohibited in the source, but the distinction between permitted and prohibited EA use is not fully detailed. EAs that implement high-frequency trading, latency arbitrage, or mass-order entry are prohibited. Whether EAs are permitted during the challenge phase and the funded phase is not separately distinguished in the source data.
Copy Trading: Copy trading is prohibited if it mirrors trades between accounts — whether internal (between OFP accounts) or external — in a manner that circumvents risk parameters or creates artificial scaling. This includes copying trades across multiple accounts owned by the same trader.
HFT: High-frequency trading is prohibited. The source states OFP’s system may automatically flag accounts where positions are opened and closed within very short periods (referenced as under one minute in the help center). The trading rules page states HFT strategies designed to exploit micro-latency inefficiencies are prohibited.
Prohibited Practices
The following are explicitly prohibited across all account types:
- Hedging / Straddling — opening opposite positions on the same asset, account, or across multiple accounts to eliminate directional risk
- Arbitrage — exploiting price feed delays, external data sources, latency differences, or price discrepancies between brokers or platforms
- High-Frequency Trading / AI Bots — automated systems, mass-order entry, or latency-based scalping
- Martingale / Grid Systems — massively increasing position sizes after losses to recover quickly; hedging or martingale across multiple accounts is permanently banned (account closure)
- News straddling — as defined above
- Copy trading / account mirroring — duplicating trades across multiple OFP accounts or copying external signals to artificially boost performance
- Third-party account management — trading on behalf of someone else or allowing others to trade your account
- Abnormal risk practices — using irregular or excessively large lot sizes inconsistent with account size and risk rules; specifically, using lot sizes exceeding 3.5× the trader’s most commonly used lot size on a given instrument is treated as gambling
- One-sided betting — a maximum of 2 active trades in the same direction and asset/pair at any given time; if you close one, you may open another in the same direction only after approximately 30 minutes
- Exploiting platform errors — taking advantage of price display glitches, order execution issues, or technical delays
- Gambling behavior — excessive risk-taking defined as: chasing losses with impulsive high-risk trades, holding losing positions far longer than profitable ones without strategic justification, widening or removing stop losses to delay a loss, and risking a disproportionate portion of the account on a limited number of trades
Gambling behavior results in an account reset and profit forfeiture for that period — it is not treated as an account violation that closes the account permanently (unlike drawdown breaches). However, repeated or severe violations of any rule can result in a permanent ban.
Additional Rules
Inactivity: Any trading account that remains inactive for 28 consecutive calendar days is automatically suspended and closed.
IP Address: Traders may access their accounts from different locations worldwide without requiring a fixed IP address. OFP monitors IP activity to ensure location changes follow a reasonable and realistic pattern and may request verification (such as a boarding pass, passport stamp, or live video confirmation) if location changes appear suspicious.
Account Credentials: Login credentials must remain unchanged at all times. Any attempt to modify them is prohibited and results in account suspension. Traders must not share credentials.
Account Allocation Cap: The total manageable capital across all accounts is capped at $300,000 per trader. Account merging is not supported.
Maximum Risk per Trade: The 1% maximum risk rule — which closes an account when floating PnL drops below -1% of account size — is listed as “No” for both challenge types in the pricing table. This rule does not apply to the challenge or funded stages of the 1-Phase or 2-Phase challenge accounts.
Trading Platforms
Available Platforms
OFP supports MetaTrader 5 (MT5) as the primary trading platform for all non-US traders. The challenge pricing table lists the platform as cTrader / TradingView (indicated by logos). A separate help center article states: “All our accounts use MT5 except for US traders” who use the Sirix platform integrated with TradingView features.
There is a conflict between the pricing table (showing cTrader and TradingView logos) and the help center documentation (confirming MT5 as the standard platform). This should be verified before publishing — it is possible the challenge accounts use different platform access than the instant accounts, or the logos may have been updated.
MT5 access links:
- Desktop: via the OFP-branded MT5 installer
- iOS and Android: via the standard MT5 mobile apps connected to server OFPFunding-Trade
The OFP dashboard also includes proprietary tracking and payout management tools.
Billing & Account Management
Fee Structure
Challenge account fees are one-time payments made at checkout. There are no monthly subscription fees or recurring charges. The fee is paid upfront, and the account is activated immediately upon payment confirmation.
Payment methods accepted at purchase: Visa, Mastercard, Amex (credit/debit), and cryptocurrencies including Bitcoin (BTC), Ethereum (ETH), USDT (TRC-20/ERC-20), and USDC. Crypto deposits are accepted without additional fees. Card processing fees, if any, are displayed at checkout before confirmation.
Accounts are available in USD, GBP, or EUR.
Resets
Reset fees for challenge accounts are not confirmed in the source data and should be verified before publishing. The source confirms a general 14-day refund policy for unused accounts (no trades placed), after which refunds are unavailable. If dissatisfied with the platform but no trades have been placed, OFP may issue a non-transferable coupon of equal value, valid for 365 days.
Payouts & Withdrawals
Payment Methods
Payouts (called Rewards at OFP) are processed through different methods depending on the withdrawal amount:
- Below $500: Cryptocurrency (USDC via ERC-20 or Polygon network) or bank transfer, with no fees charged by OFP.
- $500 and above: Processed through the Rise platform, subject to a fixed $50 Rise processing fee deducted directly from the payout amount.
Payouts are always made in USD regardless of the account denomination.
Processing Times
The source confirms the following timelines:
- Form issued: within 3 calendar days of OFP receiving the completed payout form
- Payment sent: within 2 calendar days of form issuance
- Total expected time from request: usually 2–3 business days
During busy periods, up to 3 business days should be allowed. Payout processing runs Monday–Friday, 9:00 AM–5:00 PM CET. OFP’s home page states 93% of payouts are completed within 48 hours, and the platform advertises a 48-hour payout target.
A separate help article notes that in cases of delay, the review and invoice issuance can take up to 7 calendar days, and payment transfer up to a further 7 calendar days, for a total potential wait of up to 14 business days from the request. Delays are typically caused by incomplete KYC, payout form errors, rule violations under review, or payment provider issues.
Tax & Eligibility Requirements
KYC (Know Your Customer) verification is required before payouts can be processed. Required documents include a government-issued photo ID (passport, driver’s license, or national ID card) and proof of address (utility bill, bank statement, or government letter dated within the last 3 months). A selfie or video verification may be requested in some cases.
Traders must be at least 18 years old. Payouts must be received by the same person who registered the account — third-party payment accounts are not permitted.
Restricted Jurisdictions
OFP cannot provide services to nationals or residents of Afghanistan, Iran, Iraq, North Korea, Russia, Somalia, Syria, or Yemen. U.S. traders may use the platform but cannot access MT5 services. VPN use to circumvent geographic restrictions is prohibited.
Gap: The source does not confirm whether any tax documentation (such as W-8BEN or W-9 forms) is required from traders in specific countries. This should be verified before publishing.