Blue Guardian CFD Review: rules, challenges and payouts

Platforms3

• MT5MT5
• Match-TraderMatch-Trader
• TradeLockerTradeLocker

The details

Data feed / broker

Liquidity-provider quotes on simulated accounts

Assets

FXIndicesMetalsCommoditiesCrypto

Instruments

Forex (majors, crosses and exotics), indices, gold and other commodities, and crypto, all as CFDs on simulated accounts.

Leverage and limits

Per the platform rules: 1-Step evaluations 1:50 on forex, 1:20 on indices and commodities, 1:2 on crypto; 2-Step evaluations and funded 1-Step / 2-Step accounts 1:50 forex, 1:10 indices and commodities, 1:2 crypto; Instant and Instant Starter 1:30 forex, 1:10 indices and commodities, 1:2 crypto. At a 100% margin level the least profitable trade is closed.

Commissions

$5 per lot on forex and commodities, no commission on indices and crypto; spreads vary by market and platform.

Max allocation

$400K$400,000 of funded capital at once across all funded and instant CFD accounts, with no limit on evaluations. The Scaling Plan adds 30% of the initial balance for 12% profit in 3 months, up to $4,000,000.

Legal entity

Iconic Exchange FZCO t/a Blue Guardian (Dubai); Blue Guardian Limited (Saint Lucia)

1. 01

   Guardian Shield: a 2% open loss closes everything and halves your split

   Strict

   On funded accounts, when your combined open loss reaches 2% of the initial balance (1% on Instant, Instant Starter and BNPL), every open trade is closed. The account survives, but the first trigger cuts your profit split to 50% for good and the second ends the account. Evaluations and both Nano accounts are exempt.

   Example

   On a funded $100K 2 Step Standard you hold three trades down $2,000 combined: all three are closed, the account stays open, and every later payout is split 50/50. On a $100K Instant it fires at $1,000.

2. 02

   Max loss: trailing on most programs

   Strict

   2 Step Standard (8%) and 2 Step Nano (10%) use a fixed line below the initial balance. Instant (6%), Instant Starter (5%), 1 Step Standard and Nano (6%) and BNPL (8%) trail your highest closed balance: a closed win lifts the line at once, floating profit does not. It stops at the starting balance, after which 1% must stay in the account when you withdraw. Equity, open losses and costs included, may never touch it.

   Example

   $100K 1 Step Standard: the line starts at $94,000. Close trades up to $105,000 and it moves to $99,000. Pass $106,000 and it locks at $100,000; from then a payout must leave at least $101,000.

3. 03

   Daily loss (hard breach)

   Strict

   At 5 p.m. New York time (6 a.m. Hong Kong/Taipei, 5 a.m. during US daylight time) the day's floor is set at the higher of balance or equity minus 3% (Instant, Starter, 2 Step Nano) or 4% (1 Step Standard, 2 Step Standard, 1 Step Nano, BNPL) of the initial balance. Equity, open losses included, touching it fails the account.

   Example

   $100K 2 Step Standard: at 5 p.m. your balance is $100,000 with a trade $2,000 up, so equity of $102,000 counts and the next day's floor is $98,000. Had the trade been $2,000 down, the $100,000 balance counts and the floor is $96,000.

4. 04

   Consistency rules (they differ by program)

   Watch out

   Several programs cap your best day as a share of total profit; going over never fails you, it blocks passing or the payout until you trade on. Instant 20% (15% on $300K–$400K and on Instant Starter), BNPL funded 20%, 1 Step Nano 50% in both phases, 2 Step Nano funded 50%. 1 Step and 2 Step Standard have none.

   Example

   $100K Instant: your best day is $1,000, so the period's total profit must exceed $5,000 before you can request a payout.

5. 05

   News on funded accounts

   Watch out

   On funded accounts you may not open or close trades on affected symbols from 5 minutes before to 5 minutes after high-impact (red folder) releases and FOMC events; profit from that window is removed, without a breach. Instant accounts bought after 13 November 2025 may not trade news at all. Evaluations and Instant Starter are free.

   Example

   US CPI prints at 8:30 a.m. New York time: on a funded 1 Step Standard you may not open or close EURUSD, XAUUSD, NDX100 or US30 between 8:25 and 8:35.

6. 06

   2-minute minimum hold and the gambling rule

   Watch out

   Trades closed in under 2 minutes can be flagged as tick scalping, and using more than 80% of margin at any time counts as all-or-nothing gambling. High-frequency trading, arbitrage of any kind and strategies that exploit demo conditions are banned. These are usually caught at payout review and cost profit, the payout or the account.

   Example

   On a $50K funded account, an XAUUSD trade closed after 90 seconds can have its profit removed at payout review, even though it won.

7. 07

   Shared devices, third parties and identity

   Watch out

   Trade only from your own devices; a phone, computer or VPS linked to several traders' accounts is flagged for review at payout. No password sharing, no one else trading for you, and no changing the platform password. Account holder, payer and payee must be the same person; multiple accounts used to farm promotions are all closed and blacklisted.

8. 08

   Inactivity and capital limits

   Good to know

   Every account needs a trade at least every 30 days, counted from account creation, or it is breached. Funded capital is capped at $400,000 in total; the Scaling Plan adds 30% of the initial balance for 12% profit in 3 months, up to $4,000,000.

   Example

   If you hold a $200K Instant account, your other funded accounts can total at most another $200,000.

Trading styles

• News trading

  With conditions

  Free in evaluations and on Instant Starter; funded accounts may not open or close within 5 minutes of high-impact news (profit removed); Instant accounts bought after 13 November 2025 may not trade news at all.

• EAs / bots

  Allowed

  EAs you set up yourself are fine; VPNs or VPSs used to dodge the copy- or group-trading rules are not, and HFT or arbitrage bots are banned.

• Copy trading

  With conditions

  Only between accounts you legally own, including your own external accounts; copying others or letting someone trade for you is banned.

• Hedging

  With conditions

  Allowed inside one account; hedging between separate accounts is banned.

• Holding overnight

  Allowed

• Holding over the weekend

  Allowed

• Scalping

  With conditions

  Hold trades at least 2 minutes, or they may be flagged as tick scalping.

1. 01 · First payout

   Challenge accounts (1 Step, 2 Step Standard, 2 Step Nano): 14 days after the first funded trade, or 7 with the add-on; 7 days on 1 Step Nano. Instant, Instant Starter and BNPL: once you have 5 profitable days and meet consistency.

2. 02 · After that

   Challenge accounts every 14 days (7 with the add-on or on 1 Step Nano), counted from the last request; Instant, Starter and BNPL on demand. Requests are processed within 24 business hours, or that payout earns an extra 10% share.

3. 03 · Profit split

   1 Step / 2 Step Standard 85% (90% add-on), Instant 80% (90% add-on), Instant Starter 90%, 1 Step Nano 85% and 2 Step Nano 80% (both with a 100% add-on), BNPL 80%; 50% for good after a Guardian Shield trigger.

Minimum

$100 by crypto, $500 by Rise.

Caps

Crypto pays at most $1,000 per request; larger amounts go through Rise (no maximum). The first two payouts on Instant $200K+ are capped at $10,000 each, Instant Starter at $250 once, and 2 Step Nano at 2% of the initial balance per cycle.

Payout methods

• Rise Works
• Crypto

Before you can request

• Be flat with no pending orders; the account is read-only while the payout is reviewed.
• Balance above the starting balance, minimum days and consistency met, and no rule violations.
• KYC (Sumsub) completed in the dashboard before the first payout; a live KYC call may be requested if documents are unclear.
• Every payout carries a 3% processing fee, so you receive slightly less than the certificate shows.
• The evaluation fee is refunded after your fourth payout (not Instant Starter; accounts bought from 21 January 2026).

What we read

1. 01Blue Guardian — General Information rules (allocation, scaling, restricted countries, refund)
2. 02Blue Guardian — Instant Standard Account Rules
3. 03Blue Guardian — Instant Starter
4. 04Blue Guardian — 1 Step Standard Rules
5. 05Blue Guardian — 2 Step Standard Rules
6. 06Blue Guardian — 1 Step Nano Rules
7. 07Blue Guardian — 2 Step Nano Rules
8. 08Blue Guardian — Buy Now Pay Later (BNPL) Rules
9. 09Blue Guardian — How do payouts work?
10. 10Blue Guardian — 24 Hours Payout Guarantee
11. 11Blue Guardian — Prohibited Trading Practices & Account Policies
12. 12Blue Guardian — Platform Rules (platforms, commissions, leverage)
13. 13Blue Guardian — pricing widget (homepage, prices and bundle tiers)
14. 14Blue Guardian — Buy Now Pay Later page
15. 15Blue Guardian — About us (CEO)
16. 16Blue Guardian — Terms and Conditions (Iconic Exchange FZCO t/a Blue Guardian)
17. 17Blue Guardian checkout (cart totals before codes)

XSR may earn a commission when you buy with a partner code; it never changes the order of firms. Prop-firm evaluations are simulated accounts sold as a product — most buyers do not pass, and no firm is regulated as a category. Nothing here is investment advice.