# X Pips — rules, pricing and payouts

> X Pips — proprietary trading firm tracked by Prop Firm Pal.

**Source:** https://propfirmpal.com/firms/unverified/x-pips  
**Generated:** 2026-10-12  
**Publisher:** Prop Firm Pal — independent prop firm comparison

_Prop Firm Pal earns affiliate commission from some listed firms. This is disclosed on-site and does not affect the computed ranking order._

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## Key terms
| Field | Value |
| --- | --- |
| Verification | Sourced from the firm’s own website, not verified |
| Community rating | no reviews yet |
| Evaluation types | not published |
| Cost to a $100,000 funded account | not published |
| Cheapest entry price | not published |
| Instant funding | not offered |
| Account sizes | not published |
| Maximum profit split | not published |
| Phase 1 profit target | not published |
| Daily drawdown | not published |
| Maximum drawdown | not published |
| Platforms | not published |
| Instruments | not published |
| Payment methods | not published |
| Payout methods | not published |
## Is X Pips legit?

Prop Firm Pal has not verified X Pips, so this is not an endorsement: it is what the record shows. Its own pages give its location as London, United Kingdom. It was founded in 2024. Its website has been active in Prop Firm Pal's monthly traffic record since May 2026, and traffic over the last three months is falling sharply. It claims $460K+ paid to traders; that is its own figure, and we have not seen its payout records. Its payout policy is published, and summarised on the Payouts tab.

| Record | What we hold |
| --- | --- |
| Founded | 2024 |
| Headquarters | London, United Kingdom |
| In our traffic record | Since May 2026 (5 months) |
| Traffic, last three months | Falling sharply (-98% to September 2026) |
| Paid to traders (its claim) | $460K+ |

- Founded: "Built for traders, since 2024" — https://xpips.com/
- Headquarters: "Head office London, United Kingdom" — https://xpips.com/about-us
- Paid to traders: "We have already rewarded $460K+ to successful traders." — https://xpips.com/

## What this firm publishes

XPIPS (X Pips) is a London-based forex prop firm, running since 2024, that trades entirely in a simulated environment and sells five programmes: a 1-Step challenge, a 2-Step challenge, Instant Funded accounts, and Pay After Pass versions of the 1-Step and 2-Step. The Pay After Pass route is what the firm leads with: a $9.99 upfront payment, a 4% profit target on the 1-Step, and the rest of the fee charged only after you pass. Account sizes run from $5,000 to $300,000 on Pay After Pass, with a $400K maximum total allocation per trader. XPIPS lists forex, metals, indices, crypto and commodities.

The help centre's plan tables give the numbers. The standard 1-Step has a 9% target and a 7% static overall loss limit. The 2-Step asks for 8% then 5%, with a 4% daily loss and 10% static maximum drawdown. Pay After Pass 1-Step uses 4%, 5% daily and 8% overall; Pay After Pass 2-Step uses 6% then 4%, 5% daily and 10% overall. Instant Funded has no target and a 6% trailing drawdown. There is no time limit, but every account breaches after 30 consecutive days without a trade. Minimum trading days need at least 0.5% profit each: three days on the challenges, five on Instant Funded. Hedging, account sharing, HFT and latency arbitrage are prohibited, and on funded accounts no trade may be opened within 5 minutes either side of high-impact news.

The default profit split is 85% on the 1-Step and both Pay After Pass programmes, 80% on the 2-Step and 60% on Instant Funded. The scaling plan takes it to 100%, adding 30% to the balance at each review every three months. A 20% consistency rule on the funded stage removes any single trade or day above 20% of a payout request from that payout. Payouts are monthly, or bi-weekly with an add-on, and paid in cryptocurrency only. The minimum is $50, and the help centre says most payouts are processed within 1–2 business days. The 1-Step and 2-Step evaluation fee is refunded with the first reward.

_Compiled from X Pips's own published pages, retrieved 2026-09-13. Not independently verified by Prop Firm Pal._

| Field | Value | Source |
| --- | --- | --- |
| foundedYear | 2024 | [published page](https://xpips.com/) |
| headquarters | London, United Kingdom | [published page](https://xpips.com/about-us) |
| availableAssets | Forex, Metals, Indices, Crypto, Commodities | [published page](https://xpips.com/) |
| payoutMethods | Cryptocurrency | [published page](https://intercom.help/xpips/en/articles/13188013-payment-methods) |
| payoutFrequency | Monthly by default; bi-weekly with a paid add-on | [published page](https://xpips.com/) |
| restrictedCountries | Jurisdictions subject to FATF or EU/UN sanctions | [published page](https://xpips.com/terms) |
| maxProfitSplitPercent | 100 | [published page](https://xpips.com/scaling-plans) |
| consistencyRulePercent | 20 | [published page](https://intercom.help/xpips/en/articles/13386212-main-consistency-rule-20-profit-rule) |
| positioning | A proprietary trading firm that evaluates traders in a simulated environment and rewards those who perform | [published page](https://xpips.com/about-us) |
| totalPaidOut | $460K+ | [published page](https://xpips.com/) |
| maxAllocation | 400000 | [published page](https://xpips.com/) |
| scalingPlan | Balance grows 30% at each review every three months, up to a $2,000,000 simulated balance and a 100% reward split | [published page](https://xpips.com/scaling-plans) |
| refundPolicy | Evaluation fee refunded with the first reward on the 1-Step and 2-Step (up to 200% with an add-on) | [published page](https://xpips.com/2-step-challenge) |
| inactivityPolicy | Account breached after 30 consecutive days without a trade; warning email at 15 days | [published page](https://intercom.help/xpips/en/articles/16207413-inactivity-policy) |
| kycRequirements | Identity verification (KYC) required to join | [published page](https://intercom.help/xpips/en/articles/13180842-are-there-any-country-restrictions) |
| minPayoutAmount | $50 | [published page](https://intercom.help/xpips/en/articles/13188010-minimum-withdrawal-amount) |
| payoutProcessingTime | Most payouts processed within 1–2 business days | [published page](https://intercom.help/xpips/en/articles/13188018-payout-processing-time) |
| supportChannels | Live chat, Email | [published page](https://xpips.com/about-us) |
| fees | [object Object] | [published page](https://xpips.com/pay-after-pass-2-step) |
| rules | [object Object], [object Object], [object Object], [object Object], [object Object], [object Object], [object Object], [object Object], [object Object], [object | — |
| plans | 31 plans | [published page](https://intercom.help/xpips/en/articles/13187830-2-step-accounts) |

## Frequently asked questions

### What is the XPIPS profit split?

The default XPIPS profit split is 85% on the 1-Step and both Pay After Pass programmes, 80% on the 2-Step and 60% on Instant Funded. The scaling plan raises it to 100%.

### How much does an XPIPS challenge cost?

The help centre lists the 2-Step from $49 for $5,000 to $989 for $200,000, and the 1-Step from $59 to $1,019. Instant Funded costs $89 to $749 for $5,000 to $100,000. Pay After Pass needs $9.99 upfront and a fee after passing, for example $723 for the $100,000 1-Step.

### What is XPIPS Pay After Pass?

Pay After Pass lets you start a 1-Step or 2-Step evaluation for $9.99 and pay the rest of the fee only after you pass. The 1-Step version has a 4% target with 5% daily and 8% overall loss limits; the 2-Step version uses 6% then 4% targets with 5% daily and 10% overall limits.

### What are the XPIPS drawdown rules?

It depends on the programme: 7% static overall loss on the 1-Step, 4% daily and 10% static on the 2-Step, and a 6% trailing drawdown on Instant Funded.

### Does XPIPS offer instant funding?

Yes. XPIPS Instant Funded accounts from $5,000 to $100,000 have no evaluation or profit target. They have a 6% trailing drawdown, a 60% default split and five minimum profitable days before a payout.

### Does XPIPS allow news trading and EAs?

Yes, with limits. News trading is allowed in evaluation, but funded accounts cannot open trades within 5 minutes either side of high-impact news. EAs are allowed; high-frequency trading, latency arbitrage and tick scalping are not.

### Does XPIPS have a consistency rule?

Yes. On the funded stage, no single trade or day may make up more than 20% of a payout request. Profit above that is removed from the payout, but the account is not breached.

### How do XPIPS payouts work?

XPIPS pays monthly, or bi-weekly with an add-on, in cryptocurrency only, with a $50 minimum. The help centre says most payouts are processed within 1–2 business days.

### Does XPIPS refund the challenge fee?

On the 1-Step and 2-Step, XPIPS says the evaluation fee is refunded with your first reward.

### Does XPIPS have a time limit or inactivity rule?

XPIPS has no time limit on its evaluations. An account is breached after 30 consecutive days without a trade.

### Which countries are restricted at XPIPS?

The XPIPS help centre says the firm has no country restrictions, subject to KYC. Its terms exclude residents of jurisdictions subject to FATF or EU/UN sanctions.

### Is XPIPS legit?

XPIPS says it has its head office in London and has been running since 2024, and it claims more than $460K in rewards paid. The pages read name no legal entity and no regulatory licence. All accounts are simulated.

## Related pages
- [X Pips rules](https://propfirmpal.com/firms/unverified/x-pips/rules) — markdown: https://propfirmpal.com/firms/unverified/x-pips/rules.md
- [X Pips payouts](https://propfirmpal.com/firms/unverified/x-pips/payouts) — markdown: https://propfirmpal.com/firms/unverified/x-pips/payouts.md
- [All prop firms compared](https://propfirmpal.com/best-prop-firms)
- [X Pips alternatives](https://propfirmpal.com/alternatives/x-pips)
- [X Pips web traffic history](https://propfirmpal.com/firms/unverified/x-pips/traffic)