Structured Progression Model
AIFO 2-Step Challenge
The AIFO 2-Step Challenge is a two-phase simulated trading evaluation with a 5% Phase 1 profit target, an 8% Phase 2 profit target, a 3% Daily Loss Limit, and an 8% Static Maximum Loss Limit. Account sizes range from $10K to $200K.
It is designed for traders who prefer a staged two-phase evaluation path rather than a single-phase challenge.
Not sure which path fits you? Explore all AIFO funding programs before choosing your challenge. Explore all AIFO funding programs
$10K–$200K
5%
8%
3%
8% Static
80%
Every 14 Days
Quick Answer
What Is the AIFO 2-Step Challenge?
The AIFO 2-Step Challenge is a two-phase simulated trading evaluation. Traders must reach a 5% profit target in Phase 1 and an 8% profit target in Phase 2 while staying within the 3% Daily Loss Limit and 8% Static Maximum Loss Limit.
The program is available in $10,000, $25,000, $50,000, $100,000, and $200,000 account sizes. Before progressing to the next stage, traders must complete at least 3 profitable trading days, with each valid day generating a profit of at least 0.5% of the initial account balance.
After both evaluation phases are completed, the full evaluation period is reviewed before progression to an AIFO simulated funded account. The default profit split is 80% and can increase up to 95% through the AIFO Scaling Plan.
| Question | Answer |
|---|---|
| How many phases? | 2 phases |
| Phase 1 profit target | 5% |
| Phase 2 profit target | 8% |
| Daily Loss Limit | 3% |
| Maximum Loss Limit | 8% Static |
| Account sizes | $10K, $25K, $50K, $100K, $200K |
| Profitable trading days | At least 3 days; each valid day ≥0.5% of initial balance |
| Default profit split | 80%, up to 95% through Scaling |
| Payout frequency | Every 14 days after the first trade |
Challenge Selector
Compare AIFO 2-Step Challenge Accounts
Choose the 2-Step Challenge account size that fits your trading plan. Each account follows the same two-phase structure: a 5% Phase 1 profit target, an 8% Phase 2 profit target, a 3% Daily Loss Limit, an 8% Static Maximum Loss Limit, at least 3 profitable trading days, and a payout frequency of every 14 days after the first trade.
Begin Your Journey
Choose from multiple challenge types suited to your trading style
Two-Phase Workflow
How the AIFO 2-Step Challenge Works
For the full journey from challenge entry to funded progression, read How AIFO Works.
Step 1: Choose Your Account Size
Start with a simulated 2-Step Challenge account from $10,000 to $200,000.
Step 2: Complete Phase 1
In Phase 1, aim to reach the 5% profit target while staying within the 3% Daily Loss Limit and 8% Static Maximum Loss Limit.
Step 3: Complete Phase 2
After completing Phase 1 and the applicable trading-day requirements, move to Phase 2 and aim for the 8% profit target while staying within the same 3% Daily Loss Limit and 8% Static Maximum Loss Limit.
Step 4: Move Toward Funded Progression
After completing both evaluation phases, your full evaluation period is reviewed. Once approved, you can progress to an AIFO simulated funded account.
Core Rules
AIFO 2-Step Challenge Rules
The AIFO 2-Step Challenge uses two evaluation phases. Traders must meet the 5% Phase 1 target and 8% Phase 2 target while staying within the 3% Daily Loss Limit, 8% Static Maximum Loss Limit, profitable trading-day requirements, and AIFO trading rules.
Read the full AIFO Trading Rules before starting your challenge.
Phase 1 Profit Target: 5%
Reach a 5% profit target in the first phase to move to the second phase.
Phase 2 Profit Target: 8%
Reach an 8% profit target in the second phase to complete the evaluation objective.
Daily Loss Limit: 3%
The Daily Loss Limit is 3% and is calculated from the previous day’s closing balance or equity, whichever is higher. Account equity must remain above the applicable daily loss floor during both evaluation phases.
Maximum Loss Limit: 8% Static
The AIFO 2-Step Challenge uses an 8% Static Maximum Loss Limit. On a $100,000 account, the loss floor stays fixed at $92,000 even as the account grows.
Minimum Profitable Trading Days: 3 Days
Before progressing to the next stage, traders must complete at least 3 profitable trading days. Each valid trading day must generate a profit of at least 0.5% of the initial account balance.
Critical Violation
Exceeding the 3% Daily Loss Limit or 8% Static Maximum Loss Limit is a Critical Violation and can result in immediate account failure or closure.
Static Risk Framework
How Does the 8% Static Max Drawdown Work?
The AIFO 2-Step Challenge uses an 8% Static Maximum Loss Limit. Unlike a trailing drawdown, the static maximum-loss floor is tied to the initial account size and does not move upward when the account reaches new balance or equity highs.
For example, on a $100,000 2-Step Challenge account, an 8% Static Maximum Loss Limit creates an initial maximum-loss floor of $92,000. If the account grows above $100,000, the maximum-loss floor remains fixed under the static drawdown rule during the applicable challenge stage.
The 8% Static Maximum Loss Limit is separate from the 3% Daily Loss Limit. Traders must remain within both limits throughout the evaluation.
Learn More About Static vs Trailing Drawdown
Example Floor
$92,000
On a $100,000 account with an 8% static limit
Static floor
Locked to the initial account size, not new highs.
Separate daily control
The 3% Daily Loss Limit still applies independently.
Both limits matter
Traders must stay within both thresholds throughout evaluation.
Account Size Examples
What Do the 2-Step Rules Mean by Account Size?
The same 2-Step rules apply across all account sizes. The table below translates the main percentages into simple account-size reference values.
| Account Size | Phase 1 Target 5% | Phase 2 Target 8% | 3% Daily Loss Reference | 8% Static Max Drawdown Reference | 2% Payout Buffer Reference |
|---|---|---|---|---|---|
| $10,000 | $500 | $800 | $300 | $800 | $200 |
| $25,000 | $1,250 | $2,000 | $750 | $2,000 | $500 |
| $50,000 | $2,500 | $4,000 | $1,500 | $4,000 | $1,000 |
| $100,000 | $5,000 | $8,000 | $3,000 | $8,000 | $2,000 |
| $200,000 | $10,000 | $16,000 | $6,000 | $16,000 | $4,000 |
These are reference values based on the initial account size. The 8% Static Maximum Loss Limit is tied to the initial account size and does not trail upward with new balance or equity highs. Daily Loss calculations follow AIFO’s separate Daily Loss rules, and the 2% payout buffer applies when requesting payouts.
Review the complete AIFO Trading Rules and the AIFO Payout Process before requesting withdrawals.
Payout & Profit Split
Payouts, Profit Split and Scaling
AIFO 2-Step simulated funded accounts start with an 80% profit split. Through the AIFO Scaling Plan, eligible traders can increase the profit split up to 95%. To receive a profit split, traders must maintain a Consistency Score below 30%.
Eligible 1–3 Step traders can request a Profit Split every 14 days after their first trade. The minimum payout amount is $200. Payout requests also require a compliant account status, completed KYC, no open positions or pending orders, and the applicable payout buffer.
For partial payouts, AIFO requires a profit buffer equal to 2% of the initial account size to remain in the account. A full payout will close the account after the payout is completed.
2-Step Payout Readiness Snapshot
Example 2-Step simulated funded account
Used as a payout risk buffer reference
$100,000 × 2%
Up to 95% through the AIFO Scaling Plan
Formula
Total Profit − Required Buffer = Profit Remaining for Payout Review
On a $100,000 2-Step account, the 2% buffer reference is $2,000.
This does not mean the trader can only make $2,000. It means the buffer helps separate total account profit from the amount that may be ready for payout review.
For example, if the account has profit above the active buffer, the trader can better understand what portion may be considered payout-ready after eligibility checks, KYC, payout destination review, and trading review are completed.
KYC completed
Payout destination checked
Trading review passed
Buffer remains active
Trading Conditions
Trading Conditions Before You Start
AIFO 2-Step Challenge accounts allow overnight and weekend holding and permit Expert Advisors (EAs), subject to AIFO’s current trading and EA Guidelines.
Traders must also comply with leverage limits, execution rules, prohibited trading practices, account risk limits, and applicable VPN or VPS requirements.
Review the full AIFO Trading Rules before using any trading tool or execution setup.
Risk Management
Stay within the 3% Daily Loss Limit and 8% Static Maximum Loss Limit throughout both evaluation phases.
Overnight & Weekend Holding
Overnight and weekend holding is allowed on AIFO 2-Step accounts. Open positions remain subject to all applicable risk limits and trading conduct rules.
Expert Advisors (EAs)
EAs are allowed on AIFO 2-Step Challenge and simulated funded accounts under AIFO’s EA Guidelines. Shared EAs, challenge-passing bots, rule circumvention, and duplicate strategies are prohibited.
Trading Conduct
Restricted or prohibited behavior can trigger review or account action, even if the account is profitable.
Products and Leverage
Available instruments and leverage should be reviewed before choosing your position size and strategy.
Compare Models
Is 2-Step the Right AIFO Challenge for You?
The AIFO 2-Step Challenge provides a two-phase evaluation path between AIFO’s one-phase and three-phase challenge models.
If you prefer a single evaluation phase, compare the AIFO 1-Step Challenge. If you prefer a more gradual three-phase path, compare the AIFO 3-Step Challenge. Use Compare Programs to review all AIFO challenge models side by side.
| If You Want… | Better Page |
|---|---|
| A shorter evaluation path | AIFO 1-Step Challenge |
| A structured two-phase path | Current page |
| A more gradual multi-stage path | AIFO 3-Step Challenge |
| A time-limited challenge format | AIFO 24H Challenge |
| A different entry path from evaluation models | AIFO Instant Funding |
| Full model comparison | Compare AIFO Models |
Still comparing? Start with the AIFO Models comparison page.
FAQ
AIFO 2-Step Challenge FAQ
What is the AIFO 2-Step Challenge?
The AIFO 2-Step Challenge is a two-phase simulated trading evaluation. Traders must reach a 5% profit target in Phase 1 and an 8% profit target in Phase 2 while following AIFO’s risk, trading-day, conduct, and account rules.
What are the Phase 1 and Phase 2 profit targets?
The Phase 1 profit target is 5%. After completing Phase 1, traders progress to Phase 2, where the profit target is 8%.
Is the AIFO 2-Step max drawdown static or trailing?
The AIFO 2-Step Challenge uses an 8% Static Maximum Loss Limit. The maximum-loss floor is based on the initial account size and does not move upward when the account reaches new balance or equity highs.
What are the AIFO 2-Step loss limits?
The Daily Loss Limit is 3%, and the Static Maximum Loss Limit is 8%. Traders must remain within both limits throughout the applicable evaluation phase.
How many profitable trading days are required?
Before progressing to the next stage, traders must complete at least 3 profitable trading days. Each valid trading day must generate a profit of at least 0.5% of the initial account balance.
Are Expert Advisors allowed on AIFO 2-Step?
Yes. Expert Advisors (EAs) are allowed on AIFO 2-Step Challenge accounts and on the corresponding simulated funded accounts, subject to AIFO’s current EA Guidelines and prohibited-strategy restrictions.
Can I hold trades overnight or over the weekend?
Yes. Overnight and weekend holding is allowed on AIFO 2-Step accounts, provided the account remains within all applicable risk limits and trading conduct rules.
What is the profit split on AIFO 2-Step?
The default profit split is 80%. Eligible traders can increase the profit split up to 95% through the AIFO Scaling Plan. Profit-split eligibility for 1–3 Step accounts requires a Consistency Score below 30%.
How often can I request a payout?
Eligible AIFO 1–3 Step traders can request a Profit Split every 14 days after their first trade. Payout requests remain subject to account compliance, KYC verification, the minimum payout amount, open-position requirements, and the applicable payout buffer.
Final CTA
Start Your AIFO 2-Step Challenge
Choose your account size, complete both evaluation phases, and progress toward an AIFO simulated funded account.