Pipcy Announces Up to 100% Profit Split Across All Challenge Plans

Pipcy, a prop firm trading platform serving traders in 47 countries, has raised its maximum profit split to 100 percent across every challenge plan it offers. The update applies to the Pipcy Classic Challenge in both its one-step and two-step formats and to both variants of the Pips Mastery Challenge, the industry’s first pip-based evaluation.

Under the new structure, funded traders who progress through Pipcy’s Growth Plan can reach a level where the firm takes nothing from their rewards. Every dollar earned at the top level belongs to the trader.

What Changed

Until now, Pipcy’s profit split topped out at 95 percent, already among the stronger offers in the funded trading space. The revised Growth Plan replaces that ceiling with a nine-level ladder that starts at 80 percent and rises through 85, 90 and 95 before reaching a full 100 percent at the ninth level.

The mechanics are the same for both programs, with each measured in its own unit. Classic funded traders qualify for a scale-up by reaching 25 percent accumulated profit and holding their account for at least 90 calendar days, after which the account balance grows by 50 percent. Pips Mastery funded traders qualify by earning 700 net pips over the same 90-day holding period, after which their funded lot size grows by 50 percent. No fees apply to any scale-up at any level.

The compounding is significant. A Classic trader who starts on a $100,000 plan and completes the ladder trades a $3,000,000 account at a 100 percent split. A Mastery trader who starts at 2 fixed lots scales to 40 lots, worth up to $400 per pip, again keeping everything at the top. Payouts across all plans are processed within 48 hours of request.

A Payout Structure Built Around Loyalty

Most funded trading programs advertise their headline split and leave it static. A trader who joins at 80 percent stays at 80 percent, and the firm’s cut never changes no matter how long or how well that trader performs. Pipcy’s ladder works differently: the firm’s share shrinks as the trader proves durable, until it disappears entirely.

That design rewards the traders every prop firm says it wants but few structurally favor the ones who survive. Reaching level nine requires sustained profitability across multiple 90-day cycles, which filters out lucky streaks and leaves consistent performers. By the time a trader has earned the 100 percent split, they have demonstrated exactly the kind of track record that justifies it.

The economics also answer a common trader complaint about the funded trading model, that firms profit from their best people indefinitely. At Pipcy, the better and longer a trader performs, the less the firm keeps, a structure the company views as the cleanest possible alignment between platform and trader.

The Full Offer Behind the Split

The 100 percent ceiling lands on top of terms that were already unusual in the sector. The Classic Challenge carries a 12 percent maximum loss, one of the widest drawdown allowances in the industry, with an 18 percent target in the one-step format or 12 and 6 percent across the two phases of the two-step. Classic funded accounts trade forex, indices, commodities and crypto. The Pips Mastery Challenge, measured entirely in pips, sets a 250-pip maximum loss against targets of 500 pips on Mastery X2 or 750 pips on Mastery X3, on forex pairs with fixed lot sizes that make over-leveraging impossible.

No plan carries a daily drawdown limit. News trading is allowed on every account. Minimum trading days are three across the board, and challenge fees currently start at $23 for the smallest Mastery X3 account, undercutting the $32 to $165 range typical of entry-level evaluations elsewhere. All trading runs on MetaTrader 5, with 21 timeframes, advanced charting and depth of market across desktop and mobile.

The company behind the terms was built by traders and fintech entrepreneurs with over 15 years across forex, stocks and options. Founder and chief executive Omer Ben Matityahu led the development of Pipcy’s fully in-house technology, covering the platform, CRM and trader dashboard. Risk management is headed by Snir Achiel, co-founder of prop firm The5ers, and education runs through Pipcy Academy under Vladimir Rybakov, a CFTe-certified financial technician with 19 years of market experience.

Context for Traders Comparing Firms

Profit split has become the most compared number in funded trading, and the fine print matters. Some firms advertise 100 percent for an introductory window before reverting to a lower share. Others attach the top split to add-on fees or restrict it to specific account types. Pipcy’s version is earned rather than bought: it applies to every plan, requires no extra payment, and once reached through the Growth Plan it reflects a documented trading record rather than a promotional clock.

Newer traders weighing these structures for the first time can start with Pipcy’s educational blog, which covers evaluation mechanics, payout structures and the fundamentals of prop fund trading, alongside free structured courses through Pipcy Academy and weekly analysis on the firm’s video hub.

Pipcy currently serves more than 1,264 active traders across 47 countries, has paid over $5.3 million in total rewards, and operates live support around the clock. The firm has been featured in Finance Magnates, FXEmpire, Benzinga and StreetInsider.

About Pipcy

Pipcy is a proprietary trading challenge platform created by traders and industry professionals. The firm offers the industry-first pip-based Pips Mastery Challenge and the percentage-based Pipcy Classic Challenge, both carrying profit splits of up to 100 percent through its Growth Plan, supported by free education via Pipcy Academy and fully in-house technology. Learn more at https://pipcy.com.

Disclaimer: Pipcy offers simulated trading challenges and evaluation services only. All trading activity is conducted in a simulated environment using fictitious funds. No real financial instruments are traded, and no brokerage, investment, or custody services are provided. Any rewards are based solely on simulated performance and do not represent profits generated through real trading. Simulated trading involves significant risk, and simulated performance is not indicative of real trading results.