Payout Rejected After Completing Payout Requirements – Account Later Cancelled
Name: Shayan Kaleem
Firm: Instant Funding
Program: Instant Funding Micro 25K
Account Created: 12 November 2025
I am submitting this review regarding the rejection of my payout and the subsequent cancellation of my Instant Funding Micro 25K account.
I purchased the account on 12 November 2025 and traded it for approximately three months. During this period, my account experienced normal ups and downs, but I continued trading consistently and eventually reached the payout stage.
My starting balance was $25,000, and my account eventually reached $25,752.01. I submitted a payout request for $752.01 profit. Based on the 80% profit share shown on my dashboard, my requested payout amount was $601.61.
Before I submitted my payout request, my KYC was already approved and the payout-eligibility requirements were showing as completed/green. These included:
• All trades closed
• No pending payouts
• Contract signed
• Minimum profit of $750 reached
• 15% Best Day Rule completed
• KYC approved
• Account active
After I submitted my payout request, however, the payout was rejected. Following the rejection, my account status changed to Cancelled, and my KYC status also changed to not approved. My current dashboard screenshots now show these post-rejection/cancellation statuses.
Instant Funding gave me two main reasons for the decision: an allegation of copy trading and an alleged breach of their 1% risk-per-trade rule.
Regarding copy trading: I completely deny intentionally using copy trading. I did not use an EA, trade copier, or any automated service to copy another trader. Instant Funding stated that they identified similarities in trade timing and price between my trades and trades on another Instant Funding account. I would like this evidence to be independently reviewed because I did not copy another trader's trades.
Regarding the 1% risk rule: I want to be completely honest. There was one trade where my loss exceeded approximately $250, which represented 1% of the $25,000 starting balance. I am not denying that this happened.
The trade was on Gold (XAUUSD) and occurred during a sudden and extremely fast market movement/high-volatility spike. The position did not have an SL at that moment, and the market moved within seconds, resulting in a loss greater than $250.
What concerns me is that the account was not terminated at the time of that trade. I was allowed to continue trading the account normally for approximately three months. I eventually reached the payout stage, had my payout requirements completed, and submitted my payout request.
Only after requesting the payout was the historical trade used as a major reason for rejecting the payout and cancelling my account.
I accept responsibility for the fact that the trade exceeded the stated 1% risk limit. However, I believe there is an important distinction between acknowledging a risk-management violation and the separate allegation that I intentionally engaged in copy trading.
Unfortunately, I no longer have the original November 2025 email/trade-history screenshot relating to the $250+ trade. I am therefore requesting that Instant Funding provide the complete trade record and the evidence they relied upon when making their decision.
I have retained screenshots from my dashboard showing the account details, balance, payout request/rejection, payout requirements, 15% Best Day Rule, and the subsequent account cancellation/KYC status.
I respectfully request PropFirmCheckup to independently review:
Whether the evidence actually proves intentional copy trading.
Whether similarities in trade timing and price are sufficient to establish copy trading.
Whether the 1% risk violation should have resulted in immediate account termination.
Why the account remained active for approximately three months after the alleged violation.
Why the historical violation was enforced when I reached the payout stage.
Whether the $601.61 requested payout should have been paid or reco
Indonesia