Two models retired, existing accounts unaffected.
Instant Funding has restructured its product catalogue to simplify selection for new customers, removing the IF Micro Clarity and One-Phase Micro programmes from sale. The firm says the change consolidates a more direct international range rather than adding new products.
What changes and what does not.
Instant Funding has explicitly stated that traders holding active accounts in the retired IF Micro Clarity or One-Phase Micro programmes are not affected. Existing accounts keep their current rules, conditions and payout terms unchanged, and the firm says it will contact affected users individually this week with transition options to a similar current programme.
The current international range is now organised into seven main models: Instant Funding (direct access, no evaluation, no consistency rule, no daily drawdown limit, scaling to $1.28 million), Instant Funding GO (instant access with a 4% daily drawdown limit), IF Micro (news trading and weekend holding permitted, on-demand payouts, up to $100,000), IF1 (active 24 hours from first trade, 90% profit share), One-Phase (single-phase evaluation, 10% target, no time limit), One-Phase Clarity (no consistency rule, instant payouts), and IF Evolve (futures-style single-phase, no daily loss limit, entry from $49). South Africa retains a separate offering in Rand-denominated pricing.
The specifics of individual transition offers.
Instant Funding says it will reach out to affected users individually with a "personalised transition" to a similar current programme, but has not published what those offers look like, whether they involve any cost, or how closely the replacement models match the retired ones on rules like drawdown type or payout frequency. If you hold an account in either retired model, wait for direct contact from the firm or reach out to support rather than assuming the terms of any replacement offer.
A cleaner catalogue, at the cost of two lower-cost entry points.
Retiring the Micro-tier products removes two of Instant Funding's more accessible entry points for new customers, even as the firm frames the move as simplification rather than reduction. For prospective traders comparing options going forward, the seven remaining models still span a wide range of structures, from no-evaluation direct access to single-phase evaluations, so the change narrows choice at the low end without eliminating flexibility across the catalogue overall.
Watching the transition rollout.
Worth watching: whether Instant Funding publishes the specific terms of the transition offers it is sending to affected users this week, rather than leaving them as individual, unpublished communications.
Comparing entry-level futures accounts.
If a lower-cost entry point matters to your decision, it is worth comparing what remains across the market against an established benchmark.
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What traders also ask.
- The Godfunded, "Instant Funding Simplifies Catalog and Retires Micro Models", 9 September 2026.
Trader Payout is an independent editorial site. Some links here are affiliate links, including for Apex Trader Funding, and we may earn a commission if you sign up. This does not affect our editorial choices, our data, or our verdicts. Futures trading carries substantial risk of loss and is not for everyone. This is general information, not financial, legal or investment advice. Confirm current terms directly with Instant Funding before acting.
