Payout Trailing Instant Account
An Instant Account with a trailing drawdown that shrinks permanently each time you take a payout.
The Payout Trailing Instant Account is a model for traders who want to skip the challenge and go straight to a payout-eligible account. Its drawdown buffer shrinks permanently each time you take a payout, rewarding consistent cycles of profit and withdrawal.
It's one of three Instant Account variants at PipFarm, alongside the EOD Trailing and Equity Trailing models.
Account Features
How It Works
From the moment your account is created, it is eligible for payouts, provided you meet the conditions below.
2% Pip Protector Max Risk Limit
The Pip Protector limits your combined realised and unrealised loss within a Risk Window to 2% of the starting balance. If you reach the limit, all open positions are closed automatically and a Strike is recorded.
The Pip Protector uses a 3-Strike system: each Strike halves your Max Risk Limit, and a third Strike permanently terminates the account.
5% Payout Trailing Max Loss
The Payout Trailing Max Loss starts at 5% of the starting balance. Unlike end-of-day or equity-based drawdowns, it adjusts permanently after each payout — your share of every withdrawal is deducted from the remaining Max Loss allowance.
⭐ Rank 2 and above: Your initial Max Loss allowance increases from 5% to 6%. See the Experience Program for how Ranks are earned.
See the Payout Trailing Max Loss section below for full details and a worked example.
6% Payout Target
Your balance must reach +6% or higher to become eligible for a payout.
Progressive Payout Cap
The Payout Cap limits how much of your profit you can withdraw on each payout — it is separate from scaling (the account balance itself does not grow). Your first payout is capped at 3% of the account balance, and the cap increases by 1% with every subsequent payout up to a 6% maximum. See the Payout Policy section below for a full breakdown.
25% Consistency Score
The Consistency Score measures how evenly your profits are distributed. It's calculated as the profit from your best trading day divided by your total profit. To qualify for a payout, your Consistency Score must be 25% or lower.
5 Winning Days
A Winning Day is any day that closes with at least +0.25% profit (calculated from the start-of-day balance), where the end-of-day balance is above the initial starting balance. You need at least 5 Winning Days to qualify for a payout.
7-Day Payout Interval
Payouts can be requested every 7 calendar days. From day 8 onward you can submit a payout request, provided the other conditions are met.
90-Day Time Limit
You have 90 days to receive a payout. The timer resets after each payout, so every successful cycle gives you a fresh 90-day window. For example, if your first payout lands on day 30, the next 90-day window runs until day 120.
ℹ️ The 90-day time limit on Instant Accounts cannot be increased.
Leverage
Unlike some prop firm instant accounts, the Payout Trailing Instant Account does not apply reduced leverage. You receive the same leverage your Rank unlocks through the Experience Program.
For full details on leverage by asset class and Rank, see Leverage and Margin Requirements.
Payout Trailing Max Loss
The Payout Trailing Max Loss is a dynamic drawdown rule that adjusts permanently after each payout. Each time you withdraw, your share of the payout is deducted dollar-for-dollar from your remaining Max Loss allowance. The allowance can never fall below zero — once it reaches $0, it locks permanently, and your account cannot drop below its starting balance.
Worked Example
Payout 1 (3% Cap)
Trader reaches the 6% Payout Target. Balance: $106,000
Withdrawal: $3,000 (3%). Balance after payout: $103,000
Trader's share: 75% of $3,000 = $2,250
New Max Loss allowance: $5,000 − $2,250 = $2,750
New Max Loss level: $100,000 − $2,750 = $97,250
Payout 2 (4% Cap)
Trader reaches the 6% Payout Target again. Balance: $106,000
Withdrawal: $4,000 (4%). Balance after payout: $102,000
Trader's share: 75% of $4,000 = $3,000
New Max Loss allowance: $2,750 − $3,000 = $0 (locked)
New Max Loss level: $100,000 − $0 = $100,000
Payout 3 (5% Cap)
Trader reaches the 6% Payout Target again. Balance: $106,000
Withdrawal: $5,000 (5%). Balance after payout: $101,000
Trader's share: 75% of $5,000 = $3,750
Max Loss allowance remains $0 (still locked) — no further deduction possible
Max Loss level remains at the starting balance: $100,000
ℹ️ Once the Max Loss allowance reaches $0 (Payout 2 in this example), it locks permanently at the initial starting balance of $100,000. You can keep trading and receiving payouts as normal, but with no drawdown buffer remaining — the account is terminated the moment your balance or equity drops below $100,000.
Payout Policy
Payout Interval
Payouts from an Instant Account can be requested every 7 days.
Minimum Payout
The minimum payout is 1% of the account balance. For example, the least you can request from a $100,000 account is $1,000 before the profit share.
Profit Share
Your profit share is based on your Rank in the Experience Program. As you progress through the Rank system, your profit share increases.
Payout Cap
The Payout Cap limits how much profit you can withdraw on a single payout. Your first payout is capped at 3% of the account balance, and the cap increases by 1% with every subsequent payout until it reaches the 6% maximum. To request any payout, your balance must first reach the 6% Payout Target.
The table below shows how the Payout Cap progresses on a $100,000 account with an 80% profit share: