AIFO Funding New Rules 2026: What Changed for 1-Step, 2-Step, Instant and Sprint?

What Changed in AIFO Funding’s September 2026 Rules?

The September update focuses mainly on simplifying AIFO’s evaluation challenges and making the risk structure easier to understand.

Several previous restrictions have been removed from the 1-Step and 2-Step models.

The most notable changes include:

• removal of the dedicated Consistency Score from 1-Step;
• removal of the dedicated Consistency Score from 2-Step;
• removal of the previous 70% margin-usage restriction from 1-Step;
• introduction of Static Maximum Loss for both 1-Step and 2-Step;
• revised profit targets and minimum trading-day requirements.

The result is a clearer distinction between AIFO’s different funded challenge models rather than applying similar conditions across every trading route.

What Are the New AIFO 1-Step Challenge Rules?

The AIFO 1-Step Challenge is designed as a single-stage evaluation.

Under the September 2026 rules, the main conditions are:

The most important structural change is the move to a 6% Static Maximum Loss.

A static loss limit is based on the initial account balance rather than moving higher as the account generates profit. This gives the trader a fixed maximum-loss reference throughout the challenge.

AIFO also removed the dedicated Consistency Score and the previous 70% margin-usage restriction from the 1-Step model.

These changes do not remove the core risk limits. Traders still need to remain within the 3% Daily Loss Limit and 6% Static Maximum Loss Limit while reaching the 10% Profit Target.

What Are the New AIFO 2-Step Challenge Rules?

The AIFO 2-Step Challenge continues to use a two-phase evaluation, but several of its conditions have been simplified.

The current structure is:

Phase 1 requires an 8% target, followed by a 5% target in Phase 2.

The challenge now uses a 10% Static Maximum Loss, giving traders a fixed maximum-loss reference based on the original account balance.

The dedicated Consistency Score has also been removed.

For traders who prefer staged evaluations rather than completing one larger target in a single phase, the 2-Step model therefore remains structurally different from the 1-Step Challenge.

What Is the Difference Between AIFO 1-Step and 2-Step?

The two models now share a Static Maximum Loss structure, but the targets and risk limits remain different.

The 1-Step Challenge has one 10% Profit Target, with a 3% Daily Loss Limit and 6% Static Maximum Loss.

The 2-Step Challenge divides the evaluation into an 8% Phase 1 target and a 5% Phase 2 target, while providing a 5% Daily Loss Limit and 10% Static Maximum Loss.

Minimum trading days also differ:

• 1-Step: two trading days;
• 2-Step: three trading days.

The choice therefore depends less on which challenge is simply “easier” and more on whether a trader prefers a single-stage evaluation or a staged approach with different risk parameters.

How Does Static Maximum Loss Work?

Static Maximum Loss is one of the most important concepts in AIFO’s September update.

With a static loss structure, the maximum-loss threshold is calculated from the initial account balance and does not move upward as the account makes profit.

For example, if a challenge has a 10% Static Maximum Loss, the loss boundary remains tied to the original starting balance.

This differs from drawdown systems where the threshold may move according to account performance.

Both AIFO 1-Step and 2-Step now use Static Maximum Loss.

Did AIFO Remove the Consistency Rule?

AIFO removed the dedicated Consistency Score from both the 1-Step and 2-Step Challenges.

That does not mean that every risk or trading condition has been removed.

Daily Loss Limits, Maximum Loss Limits, profit targets and other challenge-specific rules still apply.

The practical change is that traders completing these two evaluation models no longer have the previous dedicated Consistency Score requirement described in AIFO’s earlier structure.

What Changed for AIFO Instant?

AIFO Instant is different from the evaluation-based 1-Step and 2-Step models because it provides direct account access without a traditional evaluation stage.

The September rules listed for Instant include:

• 3% Daily Loss Limit;
• 5% Historical Maximum Drawdown;
• 2% maximum floating loss per trade;
• 2% profit buffer;
• $100 minimum payout.

Importantly, AIFO Instant does not use the new Static Maximum Loss structure applied to 1-Step and 2-Step.

It continues to use Historical Maximum Drawdown.

This distinction matters because traders should not assume that the risk structure of one AIFO challenge automatically applies to another.

How Does AIFO Sprint Work?

AIFO Sprint is built around a different concept again.

Instead of a conventional multi-day evaluation structure, Sprint uses a:

3% Profit Target within a 24-hour Challenge window.

This makes Sprint a separate, time-defined evaluation rather than another variation of AIFO 1-Step or 2-Step.

Its structure is therefore intended for traders specifically looking for a shorter challenge format.

Which AIFO Challenge Has the Simplest Rules?

There is no single model that will suit every trader.

The updated structure makes the differences easier to compare:

1-Step is a single-stage evaluation with a 10% target and Static Maximum Loss.

2-Step spreads the evaluation across two phases with 8% and 5% targets.

Instant removes the traditional evaluation stage but retains Historical Maximum Drawdown and additional account conditions.

Sprint uses a 3% target within a 24-hour challenge window.

The important point is that each model should be evaluated on its own rules rather than assuming that one set of AIFO conditions applies across every account type.

Do the New AIFO Rules Make Prop Firm Challenges Easier?

The September changes remove some conditions and simplify parts of the challenge structure, but that does not mean passing is guaranteed.

For example, removing the dedicated Consistency Score or the 70% margin-usage restriction from 1-Step reduces specific restrictions, while Static Maximum Loss gives traders a clearer fixed loss reference.

However, traders still need to meet the relevant Profit Target and remain within Daily Loss and Maximum Loss limits.

A more accurate description is that the new rules make some AIFO challenges simpler to understand and less restrictive in specific areas, rather than automatically making them easy to pass.

What Should Traders Check Before Choosing an AIFO Challenge?

Before purchasing any challenge, traders should compare more than the headline Profit Target.

Important factors include:

• Daily Loss Limit;
• Maximum Loss type;
• Profit Target;
• minimum trading days;
• challenge duration;
• additional trading restrictions;
• payout conditions;
• rules specific to the selected account model.

A rule that looks attractive in isolation may work differently when combined with the rest of the account conditions.

For that reason, traders should always review the current official rules before choosing between 1-Step, 2-Step, Instant or Sprint.

Final Takeaway

The September 2026 update changes the way AIFO Funding structures its main trading challenges.

The biggest changes are concentrated in the 1-Step and 2-Step models, where AIFO has introduced Static Maximum Loss and removed the dedicated Consistency Score. The 1-Step model also no longer includes the previous 70% margin-usage restriction.

Instant and Sprint remain separate models with different objectives and risk structures.

Rather than treating all four challenges as variations of the same product, the updated framework creates clearer differences between a single-stage evaluation, a two-stage evaluation, direct account access and a short 24-hour challenge.

Traders considering any of these options should review the complete current conditions before participating, because the rules differ substantially between challenge types.

About AIFO Funding

AIFO Funding is a global prop firm providing traders with access to funded trading challenges, educational resources and technology-driven solutions designed to support traders participating in global financial markets.

For current challenge information and rule updates, visit AIFO Funding’s official website.

Risk Disclaimer: Trading financial markets involves significant risk. Participation in an AIFO Challenge does not guarantee successful completion, access to a funded account, profitability or future payouts. Traders are responsible for understanding and complying with the rules applicable to their selected Challenge.