Tradeify Payout Policy: Complete Guide to Growth, Advanced & Lightning Funded Rules 2025

Tradeify offers three distinct funded account types, each with unique payout structures. Understanding the differences between Growth, Advanced, and Lightning Funded accounts is essential for maximizing your earnings and choosing the right path.

Tradeify has emerged as a competitive player in the prop trading space with three distinct account types: Growth Funded, Advanced Funded, and Lightning Funded accounts. Each has its own payout structure, requirements, and scaling timeline. This comprehensive guide breaks down everything you need to know about getting paid with Tradeify in 2025.

Universal Tradeify Payout Rules

Before diving into account-specific details, here are the rules that apply across all Tradeify funded accounts:

Profit Split

All traders receive 90% of the payout amount requested across all account types.

Account Limits

You can hold a maximum of 5 total simulated funded accounts with any combination of Growth, Advanced, and Lightning Funded account types.

Critical Payout Policies

  • Payout requests cannot be edited or canceled once submitted
  • Each account is treated independently for payout purposes
  • You can continue trading after submitting a payout request, but if you fail the account or drop below minimum thresholds before approval, your payout will be denied
  • All payouts require compliance with the Tradeify Funded Trader Agreement

Growth & Advanced Funded Accounts

These are Tradeify's challenge-based accounts where you must pass evaluation phases before receiving a funded account.

Payout Requirements

To qualify for each payout, your account must meet ALL of the following criteria:

1. Consistency Rule You must abide by the 35% Consistency Rule, which means no single trading day can account for more than 35% of your total profits.

2. Minimum Profitable Trading Days You need 5 or more trading days showing profits greater than:

  • $50K accounts: $150 profit per day minimum
  • $100K accounts: $200 profit per day minimum
  • $150K accounts: $250 profit per day minimum

Your trading day count resets to zero after each successful payout.

3. Minimum Account Balance

The minimum balance requirements depend on when you purchased your account:

For accounts purchased AFTER September 12, 2025 at 8:00 AM EST:

  • $50K Account: $53,000 minimum balance
  • $100K Account: $104,500 minimum balance
  • $150K Account: $156,500 minimum balance

For Growth accounts purchased BEFORE September 12, 2025:

  • $50K Account: $52,100 minimum balance
  • $100K Account: $103,600 minimum balance
  • $150K Account: $155,100 minimum balance

For Advanced accounts purchased BEFORE September 12, 2025:

  • $50K Account: $52,100 minimum balance
  • $100K Account: $103,100 minimum balance
  • $150K Account: $154,600 minimum balance

Important: This minimum balance must be maintained until your payout request is approved. Daily account reconciliations occur between 6:00 PM and 8:00 PM EST/EDT.

Payout Timing

  • Payouts can be requested anytime once conditions are met
  • Once approved, funds are immediately withdrawn from your account
  • Payments issued within 24-48 hours after withdrawal processing
  • Requests outside business hours (Mon-Fri, 8:00 AM - 5:00 PM EST) may take up to 72 hours

Minimum and Maximum Payout Amounts

Minimum Payouts:

  • $50K accounts: $500 minimum
  • $100K accounts: $1,000 minimum
  • $150K accounts: $1,500 minimum

Maximum Payouts for accounts purchased AFTER September 12, 2025:

Payout 1:

  • $50K Account: $1,500 max
  • $100K Account: $2,000 max
  • $150K Account: $2,500 max

Payout 2:

  • $50K Account: $2,000 max
  • $100K Account: $2,500 max
  • $150K Account: $3,000 max

Payout 3:

  • $50K Account: $2,500 max
  • $100K Account: $3,000 max
  • $150K Account: $4,000 max

Payout 4+:

  • $50K Account: $3,000 max
  • $100K Account: $4,000 max
  • $150K Account: $5,000 max

After the 6th payout, you can withdraw any amount up to $25,000 per account.

Maximum Payouts for accounts purchased BEFORE September 12, 2025:

The progression is more gradual with six distinct levels before reaching unlimited status:

Payout 1:

  • $50K: $1,500 | $100K: $2,000 | $150K: $2,500

Payout 2:

  • $50K: $1,750 | $100K: $2,500 | $150K: $3,000

Payout 3:

  • $50K: $2,000 | $100K: $3,000 | $150K: $3,500

Payout 4:

  • $50K: $2,250 | $100K: $3,500 | $150K: $4,000

Payout 5:

  • $50K: $2,500 | $100K: $4,000 | $150K: $4,500

Payout 6:

  • $50K: $3,000 | $100K: $5,000 | $150K: $5,500

After the 6th payout, unlimited up to $25,000 per account.

Growth & Advanced Example Scenario

For accounts purchased after September 12, 2025:

You have an Advanced $50K account that reaches $53,000 (the minimum required balance). You can request up to $1,500 for your first payout.

After the $1,500 withdrawal, your remaining balance is $51,500.

Critical consideration: Your account fails if it drops below $50,100. By taking the maximum payout, you leave yourself with only $1,400 in drawdown room, so trade carefully.

For accounts purchased before September 12, 2025:

With a $50K account at $52,100, you can request $1,500 for your first payout, leaving you with $50,600. Since the failure threshold is $50,100, you'd have only $500 in drawdown room.

Lightning Funded Accounts

Lightning Funded accounts are Tradeify's "straight to funded" option with no evaluation phase required. These accounts have different requirements optimized for faster payouts.

Key Differences from Growth/Advanced

1. No Minimum Trading Days Required Unlike Growth and Advanced accounts that require 5 profitable trading days, Lightning Funded accounts have no trading day requirements.

2. Evolving Consistency Rules

For accounts purchased AFTER September 12, 2025:

  • First payout: 20% Consistency Rule
  • Second payout: 25% Consistency Rule
  • Third payout and beyond: 30% Consistency Rule

For accounts purchased BEFORE September 12, 2025:

  • All payouts: 20% Consistency Rule (legacy rule maintained)

3. Payout Profit Goals Instead of minimum balance requirements, Lightning accounts use profit goal targets.

Lightning Payout Profit Goals

For accounts purchased AFTER September 12, 2025:

  • $25K Account: $1,500 first payout | $1,000 subsequent payouts
  • $50K Account: $3,000 first payout | $2,000 subsequent payouts
  • $100K Account: $6,000 first payout | $3,500 subsequent payouts
  • $150K Account: $9,000 first payout | $4,500 subsequent payouts

For accounts purchased BEFORE September 12, 2025:

  • $25K Account: $1,500 first | $1,000 second | $1,000 third+
  • $50K Account: $3,000 first | $2,000 second | $2,000 third+
  • $100K Account: $6,000 first | $3,000 second | $2,500 third+
  • $150K Account: $9,000 first | $4,500 second | $3,000 third+

How Profit Goals Work:

  • Profit goals reset after each payout
  • You progress to the next profit goal level with each withdrawal
  • Profit is calculated during daily reconciliation (5:00 PM - 8:00 PM EST/EDT)

Example: With a $150K account (new rules), you reach $9,000 profit and take your first payout. Your next payout requires $4,500 in profit from your new balance. This $4,500 goal continues for all future payouts.

Lightning Payout Timing

  • Request anytime once conditions are met
  • Funds withdrawn immediately upon approval
  • Payments issued within 24 hours (faster than Growth/Advanced)
  • Outside business hours requests may take up to 72 hours

Lightning Payout Tiers

Minimum Payout: $1,000 for all account sizes

Maximum Payouts:

Payouts 1-3:

  • $25K Account: $1,000 max
  • $50K Account: $2,000 max
  • $100K Account: $2,500 max
  • $150K Account: $3,000 max

Payout 4+:

  • $25K Account: $1,000 max
  • $50K Account: $2,500 max
  • $100K Account: $3,000 max
  • $150K Account: $3,500 max

Important: Unlike Growth/Advanced accounts, Lightning Funded maximum payouts remain capped at the 4th payout level and do not progress to unlimited withdrawals.

Comparing the Three Account Types

Growth & Advanced vs Lightning: Which is Better?

Choose Growth/Advanced if:

  • You want access to larger unlimited payouts (up to $25,000) after your 6th withdrawal
  • You're comfortable with the 35% consistency rule
  • You can meet the 5 profitable trading day requirement
  • You prefer traditional challenge-based progression

Choose Lightning Funded if:

  • You want to start earning immediately without evaluation
  • You prefer no trading day requirements
  • You're willing to accept permanent payout caps in exchange for faster access
  • You can handle the evolving consistency rules (20% → 25% → 30%)

Processing Speed Comparison

  • Lightning Funded: 24 hours payment processing
  • Growth/Advanced: 24-48 hours payment processing
  • Both can take up to 72 hours if submitted outside business hours

Best Practices for Tradeify Payouts

  1. Understand your purchase date - Rules differ significantly for accounts purchased before/after September 12, 2025
  2. Track your consistency ratio carefully - It's the #1 reason for payout denials
  3. For Growth/Advanced: Plan around the 5-day profitable trading requirement
  4. For Lightning: Focus on hitting profit goals rather than trading day counts
  5. Never assume - Always verify your minimum balance or profit goal before requesting
  6. Calculate drawdown room after each payout to avoid account failure
  7. Submit strategically knowing requests cannot be canceled
  8. Account for the 90% split when planning withdrawal amounts

Managing Multiple Accounts

With a 5-account limit, strategic management is crucial:

  • Each account progresses independently through payout tiers
  • You could withdraw from all 5 accounts simultaneously once each meets requirements
  • Example: Five $50K Lightning accounts hitting profit goals could yield 5 x $2,000 = $10,000 in a single payout cycle

However, remember that Lightning accounts have permanent maximum caps, while Growth/Advanced accounts eventually reach $25,000 per account after the 6th payout.

Final Thoughts

Tradeify's three-tiered approach offers flexibility for different trading styles. The September 12, 2025 rule changes created a clear divide between legacy accounts and new purchases, so always verify which rule set applies to your specific account.

Growth and Advanced accounts offer the best long-term earning potential with eventual unlimited payouts (up to $25K per account), but require more patience with trading day requirements and consistency rules.

Lightning Funded accounts provide the fastest path to payouts with no trading day requirements, making them ideal for active traders who can meet profit goals quickly. However, the permanent payout caps mean you'll earn less per account over time compared to Growth/Advanced.

Whichever path you choose, success with Tradeify requires meticulous attention to consistency rules, profit goals or minimum balances, and strategic payout planning to maximize your earnings while protecting your account status.

Disclaimer: Payout policies can change. Always verify current rules directly with Tradeify before making trading or financial decisions. This guide is for informational purposes only and does not constitute financial advice.