OFP Funding Rules: Drawdown, Consistency Rule, Scaling Plan and Banned Strategies

OFP Funding rules for the three instant accounts on sale today, Instant Lite, Instant Classic and Instant Plus, in every size from $5,000 to $300,000. OFP Funding sells simulated “instant” accounts: there is no challenge to pass, you trade virtual capital from the first day and request rewards (OFP’s word for payouts) once the model’s conditions are met. The rules that decide most outcomes are the daily loss limit measured from the previous day’s closing equity, the static overall loss limit, the 1% floating-loss rule on Lite, the Inconsistency Score on Classic, the 4-minute news window and a long list of banned strategies that OFP checks when you ask to be paid. This page sets out each rule with dollar values for every size and option, worked examples, two calculators, the scaling plan (which pays back part of your fee rather than growing the account), and the places where OFP’s own pages disagree.

OFP Funding Rule Checks

How OFP Funding Accounts Work

OFP Funding (OFP stands for Overview Funding Program) sells only instant accounts today. The challenge and older instant plans (One Phase, Two Phase, Instant Pro and Instant Prime) are no longer in the plan selector, although the Terms still list them in their plan schedule.

• What you buy: a demo account with virtual capital and fixed rules. You pay once; there is no monthly fee. Credentials arrive by email straight after purchase.
• What you trade: forex, metals, indices, energies and crypto CFDs on OFP’s own platform (Sirix, with TradingView charting), on the web at my.ofpfunding.net or the mobile apps.
• How you get paid: profits on the demo account are paid as “rewards” once the model’s conditions are met, after identity checks (KYC), a payout form and a self-billing invoice.
• What ends the account: touching the daily or overall loss limit, a closure-level strategy breach, 28 days without a trade, or (Lite) reaching the end of its 30-day life or its one reward.

OFP Funding Account Models Side by Side

Each model is sold with two loss-limit options and an 80% or 100% profit split. The 100% split is a checkout add-on that raises the price by 20%. Values are from the homepage plan data and the Trading Rules tabs on the check date.

Prices for every size and the latest discount codes are on the OFP Funding deals page. Account sizes run from $5,000 to $300,000 and you may hold several accounts up to the allocation cap.

Source: OFP homepage plan selector and its plan data and OFP Trading Rules page (Instant Lite, Instant Classic and Instant Plus tabs) and OFP Differences between models (help centre, updated September 23, 2026) and OFP Account models (help centre, updated October 9, 2026) and OFP Minimum and maximum account size (help centre, updated October 3, 2026) – plan selector, model tabs and comparison table – checked October 11, 2026.

OFP Funding Daily Drawdown (Maximum Daily Loss)

OFP’s daily limit is not a fixed dollar amount. Each day it is recalculated from the equity recorded at the end of the previous day, at midnight GMT+2 (GMT+3 while daylight saving applies), and it counts open trades:

Daily floor = previous day’s closing equity – (previous day’s closing equity x daily %)

• It breaches intraday. If equity touches or drops below the floor at any moment, the account fails immediately. You do not get to the end of the day.
• It moves with your equity. A good day raises tomorrow’s dollar allowance and a bad day lowers it. Open positions at midnight are included in the recorded equity.
• You choose 3% or 5% at checkout and cannot change it later. The 5% option costs more.
• It can never be looser than the overall limit. OFP says the daily limit “cannot, under any circumstances, exceed the Max Overall Loss limit”: whichever floor is higher is the one that ends the account.

The table shows the dollar limit on the first day, when closing equity equals the starting balance. Lite is not sold in a $5,000 size.

Worked example: $100,000 Classic, 5% / 10%

On day 4 only $3,000 of room is left, not $4,650. After a run of losing days, the overall floor is the one to watch.

OFP Funding Maximum Overall Loss

The overall limit is static: it is set from the starting balance and, according to the Trading Rules page, “never changes”. It does not trail your profits. Equity, including open trades, may never touch it.

• Static means profit is a cushion. On a $50,000 account with a 10% limit, the floor stays at $45,000. Make $3,000 and you have $8,000 of room, not $5,000.
• Is the drawdown trailing? Not on the Trading Rules page. The daily limit moves day to day, but the overall floor stays fixed.
• After a reward: the help centre and the Terms measure the limit from the balance “at the last Reward”. If your balance returns to the starting balance after a withdrawal, the floor is the same either way. If profit stays in the account, the floor may be re-set higher. OFP does not show a worked example for this case.
• A breach is final. OFP’s help article says “once breached, the account is permanently invalid, even if markets later recover”.

Source: OFP Trading Rules page (Instant Lite, Instant Classic and Instant Plus tabs) and OFP What is the Maximum Drawdown (help centre, updated October 1, 2025) and OFP Trading rules every OFP trader must follow (help centre, updated May 20, 2026) and OFP Terms and Conditions (version valid from February 9, 2026) – Maximum Overall Loss, help examples and Terms 6.2.3 – checked October 11, 2026.

The 1% Rule on Instant Lite

Instant Lite adds a “maximum 1% risk limit”: the combined floating PnL of your open positions may not go below -1% of the account balance at any time. Classic and Plus do not have it.