InsaneFunding review: an 80% split that starts at 50/50

Verdict: InsaneFunding suits a trader who reads the challenge rules before paying and accepts a simulated MetaTrader 5 account rather than a brokerage balance. It does not suit anyone who needs one profit-split figure, a published company number, or a payout history as old as the site claims. The biggest caveat: the challenge page pays the first withdrawal 50/50 and later ones 80/20, while the homepage, pricing page and FAQ still say up to 80%. One FAQ line says the split starts at 80% and scales to 80%.

Key terms

Figures are from InsaneFunding's pages on 12 October 2026. Disagreements are left as disagreements.

• Fee: Phase 1 cards show €41.99, €99, €113, €174 and €262. The title says from €29.99, which the cards omit. The 2-step list is 29, 69, 104, 129 and 218, while schema.org calls the Phase 1 numerals US dollars. Homepage reset prices are $79, $149 and $249 (pricing).
• Sizes: $5,000 to $100,000. The homepage also says scale "up to $2M," which the rules and FAQ do not (pricing).
• Split: 50/50 then 80/20 on the challenge rules. Homepage and about say up to 80%. The FAQ says it "starts at 80% and scales to 80%," plus 100% of the first $10,000 above $50,000.
• Target: FAQ, +8% in one step or +5% then +5% in two, and none once funded. The challenge lifecycle box says 8% then 5% (challenge rules).
• Maximum loss: 10% static from the starting balance. The 15 September 2026 change did not move it (FAQ).
• Daily loss: 6% of the equity peak to the low, floating loss included, from 15 September 2026. Older days stay at 5% (challenge rules).
• First payout: +5% and 14 days, or 7 with the fast-payout add-on. The homepage tile says "Payout Guarantee"; the FAQ's 24 business hours is processing time (FAQ).
• Minimum days: 3 on each phase, or 1 with the Phase 1 fast-track add-on. No time limit (challenge rules).

What InsaneFunding publishes about payouts

The transparency report of 12 October 2026 says $152,651 was paid across 95 payouts. $144,400 of that, across 90 payouts, is called manual and has no line items. August lists $5,560 (two), September $1,371 (two) and October $1,320 (one). Those five sum to $8,251, and with $144,400 they match the headline, which the homepage carousel repeats. No certificate, bank record or outside ledger was found for the $144,400, and no audit is published.

Related:Orbit Funded review: 1:1 reward rule reset a payout

It dates the first payout "6/2/2025" and operating history "1y 4m." WHOIS created insanefunding.com on 9 June 2026, before either reading of that date. It says 16 of 73 traders were paid more than once, and that 25.3% of payouts are repeats. With 95 payouts and 73 traders the repeat count is 22, about 23%, not 25.3%. The $1,607 average does equal the total divided by 95. Five of 100 decided requests were rejected. The 3.2-hour median is approval to sending, not day one of a funded account.

The homepage's "42,318+" and nearby "42,000+" do not match transparency's 221 accounts issued, 67 funded and 9 still trading. The 63 certificates do match. The first payout needs +5% and 14 days, or 7 with the add-on: the challenge page starts that clock with the funded phase, and transparency starts it at the first trade. The second payout needs a further 1% and skips the wait and the $50 floor. The challenge page pays USDT or USDC on Solana or Ethereum; the FAQ names a wire or stablecoins. The risk disclosure of 2 September 2026 says a payout is not promised.

No independent named trader could be quoted. Homepage lines under Daniel R., Anya K. and Marco S. were not found on another public post. Marco S. says he trades news and weekends, which funded rules forbid. Trustpilot did not load, so the homepage's 4.9 and a structured-data 4.8 from 1,240 reviews stay unverified.

An 80% split the challenge page starts at 50/50

The homepage says "Keep Up To 80% Of The Profits" and shows $8,000 of every $10,000. Pricing, the about page of 2 September 2026 and the challenge funded box also say up to 80%. The payout rule lower on the challenge page is first 50/50, then 80/20. The FAQ says the split "starts at 80% and scales to 80%," plus 100% of the first $10,000 above $50,000, a line the challenge payout rules do not contain. The terms name no percentage.

Rules that can void the account

Hard breaches are immediate: 6% daily equity loss from 15 September 2026 (older days stay at 5%), the 10% static maximum, and the 40% consistency cap. A fourth open position fails the account. A missing stop-loss after five minutes is a warning, and a second miss fails it. Funded trades from that date must last 60 seconds. Leverage is 1:100 on FX and metals, 1:20 on indices and 1:10 on crypto. The challenge page bars single-stock CFDs; the FAQ and homepage list US equities.

The 40% cap is not one test. On a challenge it is 40% of that phase's target: $320 of an $800 target on a $10,000 Phase 1 account. Funded accounts use a reference profit of 8% for 1-step traders and 4% for 2-step graduates. Once profit reaches $400, a separate challenge paragraph caps one trade at 40% of profit already earned. Transparency rejects a payout at 60% of phase profit.

The warning list still flags holding through news, overnight trades and weekend holds. From 18 September 2026 the news section allows a hold and bars only a new entry inside five minutes of a high-impact release. The FAQ makes funded overnight holds, from 00:00 to 06:00 GMT+3, and weekend holds a warning. Transparency allows funded weekend holds and uses Lithuania time, UTC+2 or UTC+3, for the overnight window. A first warning declines the next payout and resets profit, which that refusal list omits. One FAQ answer bars copy trading and a later one allows it, while EAs need a checkout tick. Same-symbol hedging has been a breach since 16 July 2026.

How those terms compare

The InsaneFunding column uses the challenge page, because the firm's own pages disagree. FTMO and FundedNext are context from their pages on 12 October 2026, not a second review. Separate pieces cover FTMO, FundedNext and five firms.

Each of those pages publishes one figure per row. FundedNext also describes a scale-up of up to 90%. Sources: FTMO objectives, FTMO withdrawal FAQ and FundedNext objectives.

Who runs the firm, and whether the account is live

The about page names InsaneFunding Ltd and says the company number, jurisdiction, address and management are available on request. The homepage calls it a registered EU entity. Pricing structured data prints 30 Wall Street, 8th Floor, New York, NY 10005 and types the firm as a financial service. That office was not verified. A Companies House search on 12 October 2026 found no company of that name. The site names no member state, so the UK nil result does not settle the question.

Terms, the about page, the risk disclosure and the footer call every account a simulated demo, with payouts paid from company revenue. The homepage says "trade live capital," and pricing says "real MT5 capital" above a line that calls the environment simulated. Challenge rules name MetaTrader 5 on PU Prime-Demo, then PU Prime-Live. A funded account of this kind is a score on simulated prices, not a deposit. The homepage says client money sits in segregated EU accounts; the terms say the firm holds none. Fees are not refunded once paid, and no FCA, CFTC or NFA number is published. Where those rules bite is covered in Industry Spread's note on the prop-firm perimeter.

FAQ

What profit split does InsaneFunding pay?

The challenge rules say the first payout is 50/50 and later payouts are 80/20. The homepage, pricing page and about page say up to 80%, and the homepage illustrates $8,000 of every $10,000. The FAQ says the split starts at 80% and scales to 80%, and that 100% of the first $10,000 goes to the trader above $50,000. Those are different contracts. Only the challenge paragraph is written as a payout schedule.

Is the funded account live or simulated?

The terms, about page, risk disclosure and footer say the trader uses a demo MetaTrader 5 balance, including after funding, and that no client funds go onto live markets. The challenge page names a PU Prime-Live server and says real capital begins then. The homepage says "trade live capital." Both descriptions are on the site. No live brokerage statement is shown.

When can the first payout be requested?

The challenge page and the FAQ require 5% profit and 14 days, or 7 days with the fast-payout add-on. They differ on whether the clock starts with the funded phase or the first trade. The second payout needs a further 1% and has no wait. From the third, the 14-day or 7-day cycle returns, with a $50 minimum that skips only the second request. A 24-business-hour processing claim is separate from that wait.

Which rules fail an account with no warning?

The challenge page treats the 6% daily equity drawdown, the 10% static maximum and the 40% consistency cap as immediate failures, as is a fourth open position. Transparency instead cites a 60% consistency test, and another challenge paragraph caps a funded trade at 40% of profit already banked once that profit hits $400. A news entry inside a ten-minute window is a hard breach on a funded account. The same page also calls holding through news a soft warning.

Is InsaneFunding a regulated broker?

The firm says it is not a broker, bank or fund, and it publishes no licence number. The terms name InsaneFunding Ltd. The company number and jurisdiction are "on request," while pricing structured data prints a New York street address. Companies House had no match on 12 October 2026. The domain dates from 9 June 2026. That is a young site with an unpublished registry entry, not an authorised firm.

This review is independent editorial analysis and is not financial, investment, or trading advice, and is not an endorsement or solicitation. The Industry Spread has no affiliate or referral relationship with the firms covered. Proprietary trading challenges carry a fee that is generally non-refundable, most participants do not reach a funded account, and funded capital is the firm's capital, not the trader's. Terms change frequently — always verify current rules directly with the firm before paying any fee.