Gradual Evaluation Model
AIFO 3-Step Challenge
A gradual three-phase trading challenge for traders who want staged targets, clear risk limits, and simulated account sizes from $10K to $200K.
Not sure which challenge fits your trading style? Explore all AIFO funding programs before choosing your path. Explore all AIFO funding programs
$10K–$200K
3%
3%
5%
3%
5%
80%–95%
3 Days
14 Days
Quick Answer
What Is the AIFO 3-Step Challenge?
The AIFO 3-Step Challenge is a three-phase simulated trading evaluation. Traders complete Phase 1, Phase 2, and Phase 3 by reaching each phase’s profit target while staying within AIFO’s drawdown and account rules.
In the current 3-Step Challenge, Phase 1 has a 3% profit target, Phase 2 has a 3% profit target, and Phase 3 has a 5% profit target. The challenge uses a 3% Daily Drawdown, 5% Max Drawdown, 3 trading days, and a 14-day payout period.
Learn how the full AIFO journey works in the AIFO challenge-to-funded progression guide.
| Question | Answer |
|---|---|
| How many phases? | 3 phases |
| Phase 1 target | 3% |
| Phase 2 target | 3% |
| Phase 3 target | 5% |
| Daily Drawdown | 3% |
| Max Drawdown | 5% |
| Account sizes | $10K, $25K, $50K, $100K, $200K |
| Profit split | 80%–95% |
| Trading days | 3 days |
| Best for | Traders who prefer gradual evaluation |
Challenge Selector
Compare AIFO 3-Step Challenge Accounts
Choose the 3-Step Challenge account size that fits your trading style and risk tolerance. Each account follows the same three-phase structure: Phase 1 target of 3%, Phase 2 target of 3%, Phase 3 target of 5%, 3% Daily Drawdown, 5% Max Drawdown, 3 trading days, and a 14-day payout period.
Popular
Popular
Add-ons
+20%
Profit split increase up to 95%
+10%
Fast payout (payout on demand)
Step 1: Choose Your Account Size
Start with a simulated 3-Step Challenge account from $10,000 to $200,000.
Step 2: Complete Phase 1
In Phase 1, aim to reach the 3% profit target while staying within the 3% Daily Drawdown and 5% Max Drawdown limits.
Step 3: Complete Phase 2
After passing the Phase 1 evaluation, move to Phase 2 and aim to reach the 3% profit target under the same maximum drawdown limits.
Step 4: Complete Phase 3
In the Phase 3 challenge, aim to reach the 5% profit target while continuing to follow AIFO’s funded account rules and daily trading risk management parameters.
Step 5: Move Toward Funded Progression
After completing the required evaluation stages, your account activity is reviewed before moving toward funded progression.
Core Rules
AIFO 3-Step Challenge Rules
The 3-Step Challenge uses a gradual evaluation structure. Traders need to pass three phases while following AIFO’s risk limits, consistency expectations, trading conduct rules, and payout requirements.
Read the full AIFO Trading Rules before starting your challenge.
Phase 1 Profit Target: 3%
Reach a 3% profit target in Phase 1 to move forward in the 3-Step Challenge.
Phase 2 Profit Target: 3%
Reach a 3% profit target in Phase 2 after completing the first stage.
Phase 3 Profit Target: 5%
Reach a 5% profit target in Phase 3 to complete the final evaluation objective.
Daily Drawdown: 3%
The Daily Drawdown is 3%. It controls how much account equity can fall within a trading day.
Max Drawdown: 5%
The total Max Drawdown is 5%. It defines the account-level trailing downside boundary for the 3-Step Challenge protection.
Trading Days: 3 Days
Traders must complete 3 valid trading days. Each valid trading day should generate at least 0.5% of the initial account balance.
Critical Violation
Exceeding the Daily Drawdown or Max Drawdown limit can trigger a critical violation and may result in account closure.
Account Size Examples
What Do the 3-Step Rules Mean by Account Size?
The same 3-Step rules apply across all account sizes. The table below translates the main percentages into simple reference values based on the initial account size.
| Account Size | Phase 1 Target 3% | Phase 2 Target 3% | Phase 3 Target 5% | 3% Daily Drawdown Reference | 5% Max Drawdown Reference | 2% Buffer Reference |
|---|---|---|---|---|---|---|
| $10,000 | $300 | $300 | $500 | $300 | $500 | $200 |
| $25,000 | $750 | $750 | $1,250 | $750 | $1,250 | $500 |
| $50,000 | $1,500 | $1,500 | $2,500 | $1,500 | $2,500 | $1,000 |
| $100,000 | $3,000 | $3,000 | $5,000 | $3,000 | $5,000 | $2,000 |
| $200,000 | $6,000 | $6,000 | $10,000 | $6,000 | $10,000 | $4,000 |
These are reference values based on the initial account size. Actual loss-limit calculations follow AIFO’s account rules, and payout-ready amounts may also depend on the active payout buffer.
Review the complete AIFO Trading Rules and the AIFO Payout Process before requesting withdrawals.
Payout & Profit Split
Payouts, Profit Split and Add-ons
AIFO 3-Step accounts show a profit split range from 80% to 95%. Traders should also understand payout eligibility, review status, payout destination checks, KYC, and the active payout buffer before requesting a payout.
The 3-Step Challenge selector also includes optional add-ons: a profit split increase up to 95% and fast payout on demand.
KYC completed
Payout destination checked
Trading review passed
Buffer remains active
Trading Conditions
Trading Conditions Before You Start
The 3-Step Challenge is not only about reaching three profit targets. Traders also need to understand position holding, execution rules, tool usage, leverage, restricted behavior, and account conduct.
Check the full AIFO rules framework for risk limits, holding rules, execution setup, and violation outcomes.
Stop Loss
AIFO does not generally require a stop loss for every trade, but stop loss, position sizing, risk exposure control, and sufficient margin are strongly recommended.
Overnight and Weekend Holding
Traders may hold positions overnight and over the weekend, but they must manage gap risk, news risk, margin, and floating P/L carefully.
Expert Advisors
Expert Advisors and automated trading systems are not allowed. All live trades must be executed manually by the account holder under strict risk guidelines.
Products and Leverage
Forex trading instruments can use up to 1:30 leverage, precious metals and indices up to 1:10, individual stocks up to 1:5, BTC up to 1:2, and other cryptocurrencies up to 1:5 maximum.
Restricted Trading
Restricted behavior may include excessive leverage, gambling-style trading, high-frequency trading, excessive scalping, copy trading, hedging or arbitrage, grid trading, delayed trading, one-sided betting, account cycling, and platform exploits.
Compare Models
Is 3-Step the Right AIFO Challenge for You?
The 3-Step Challenge may be a better fit if you prefer a gradual evaluation path, want staged targets, and are comfortable maintaining discipline across multiple phases.
| Choose 3-Step If You… | Why |
|---|---|
| Prefer gradual evaluation | The challenge is split into 3 phases |
| Want smaller early targets | Phase 1 and Phase 2 targets are both 3% |
| Can stay consistent over time | Multi-phase paths reward rule discipline |
| Want clear risk limits | Daily Drawdown is 3%, Max Drawdown is 5% |
| Want scaling potential | Profit split can reach up to 95% |
| If You Want… | Better Page |
|---|---|
| A shorter evaluation path | AIFO 1-Step Challenge |
| A balanced two-phase path | AIFO 2-Step Challenge |
| A gradual three-phase path | Current page |
| A time-limited challenge format | AIFO 24H Challenge |
| A different entry path from evaluation models | AIFO Instant Funding |
| Full model comparison | Compare AIFO Models |
FAQ
AIFO 3-Step Challenge FAQ
What is the AIFO 3-Step Challenge?
The AIFO 3-Step Challenge is a three-phase simulated trading evaluation. Traders complete Phase 1, Phase 2, and Phase 3 by reaching each target while staying within AIFO’s drawdown and account rules.
What are the 3-Step profit targets?
The current 3-Step Challenge profit targets are Phase 1: 3%, Phase 2: 3%, and Phase 3: 5%.
What are the drawdown limits?
The current 3-Step Challenge uses a 3% Daily Drawdown and a 5% Max Drawdown.
How many trading days are required?
The 3-Step Challenge shows 3 trading days. Each valid trading day should generate at least 0.5% of the initial account balance.
What account sizes are available?
The available 3-Step Challenge account sizes are $10,000, $25,000, $50,000, $100,000, and $200,000.
What is the profit split?
The profit split range shown for the 3-Step Challenge is 80% to 95%.
How do payouts work after the 3-Step Challenge?
Payouts depend on account eligibility, rule compliance, internal review, payout destination, KYC, and the active payout buffer.
Where can I review the full trading rules?
You can review AIFO’s risk limits, trading conduct rules, holding rules, execution setup rules, and violation outcomes on the Trading Rules page.
Where should I start if I am not sure which challenge to choose?
Start with the Programs page for the full overview, or use the Models page to compare 1-Step, 2-Step, 3-Step, Instant, and 24H challenge paths.
Final CTA
Start Your AIFO 3-Step Challenge
Choose your account size, complete three structured evaluation phases, and work toward funded progression with AIFO.