Top One Trader Prop Firm Overview

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Firm Overview

Instruments & Assets

Leverage

Commissions

Consistency Rules

2-Step Pro Challenge

• Phase 1 & 2: No single day’s profit may exceed 50% of total profit.
• Funded phase: Consistency cap drops to 30% — any single trading day cannot exceed 30% of accumulated profit for payout eligibility.

Instant Funding Program

• Requires a 15% consistency score — no daily profit above 15% of total profits at payout.
• $5k–$100k instant accounts bought before 24 Sept 2025 keep the old 20% limit.

Instant Prime – Equity Stability Score (ESS)

• At payout time, ESS must be 20% or lower.
• Formula: (Largest Winning Day + Largest Losing Day [absolute]) ÷ Total Profit × 100%.
• Full details: see their docs: ESS Instant Prime Accounts.

Firm Rules

News Trading Rule

• Evaluation: News trading is allowed.
• Funded / Instant Funding: Opening, closing, or modifying trades (including SL/TP/pending) is forbidden within 5 minutes before and after high-impact news.
• Violations usually lead to profit deductions, except trades opened 5+ hours before the event.
• Instant Prime can enable news trading via an add-on.

Expert Advisors (EAs)

• EAs allowed only on 1-Step FLASH and 2-Step Pro challenge accounts.
• No EAs on funded or instant funded accounts.
• EA settings must reflect your own style; hiding EA usage or using generic commercial bots is not allowed.

Copy Trading

• Manual copy trading allowed only between your own challenge accounts (1-step / 2-step, TradeLocker / cTrader).
• Copy trading on funded or instant accounts is not allowed.
• No copying between different users.
• If you have multiple funded accounts, identical trades must be spaced at least 30 minutes apart.
• Violations can lead to account review, reset, or closure depending on severity.

Weekend Trading / Holding

• Weekend holding allowed on 1-Step FLASH and 2-Step Pro.
• Instant Funding: No weekend holding by default (unless weekend add-on is purchased).

Inactivity Rule

• 30-day rule: at least one trade every 30 days (counting from account purchase date).
• Failure triggers a breach due to inactivity.

Soft Breach & Violations

• No hard limit on soft breaches for 1-Step / 2-Step challenges.
• Instant Funding: up to 10 soft breaches — after that it becomes a hard breach.
• Soft breach examples:
• Trading inside the news restriction window.
• Weekend holding on accounts where it’s disallowed.
• Opening a trade without stop loss.
• More than 2% loss per symbol or 2.5% total loss on all open trades.
• EquityShield may close trades automatically in many of these cases.

Minimum Hold Time Rule

• Every profitable trade must be held for at least 5 minutes before closing.
• Closing earlier (manual TP, SL in profit, or direct close) breaks the rule.
• Challenge: Risk team may require a retake or issue a warning.
  Funded: Profits from non-compliant trades can be removed; repeated abuse may terminate the account.

Prohibited Trading Practices

• HFT, tick scalping, latency / arbitrage trading.
• Copy trading between accounts not owned by the same trader.
• Group trading, cross-account hedging, news trading on funded where restricted.
• Grid / martingale, 3rd-party “pass my challenge” services.
• Masking EAs, gambling / YOLO over-leveraging, account rolling / churning.

EquityShield

Top One Trader uses EquityShield — an automatic risk system that can close trades when drawdown breaches certain limits to protect the funded account. More details are available in their docs.

IP / VPN / VPS Policy

• Issues include: multiple IPs per account, trading many accounts from same/similar IPs, copying / hedging across firms.
• VPS is allowed, as long as a static IP is used and only the owner trades.
• VPN is strictly prohibited and may cause security flags and breaches.
• cTrader with U.S. IPs is automatically hard-breached with no refund.
• Violations can mean profit forfeiture, blacklist, and possible legal escalation.

Programs & Trading Conditions

Instant Funding

• No minimum trading days.
• Requires a 15% consistency score (20% for some older accounts) for payout.
• “Lock Upon Payout”: Once you request a payout, your trailing max drawdown locks at the initial balance and no longer trails up.

Instant Prime

• No minimum trading days.
• ESS must be ≤ 20% to withdraw.
• Lock Upon Payout: Trailing max drawdown locks at the initial balance permanently from the first payout onwards.

FLASH (1-Step)

• At least 3 profitable days.
• Each profitable day must be at least 0.5% net profit of initial balance.
• Same lock-upon-payout behaviour applies after withdrawal.

PRO (2-Step)

• No fixed minimum trading days.
• Phase 1 & 2 consistency: no single day over 50% of overall profit.
• Funded phase consistency: no single day over 30% of total profit to qualify for payout.

Payout Policy

1-Step Challenge

• Default: bi-weekly payouts.
• Add-on can unlock weekly payouts after the first withdrawal.
• Profit split starts at 80%, scalable up to 90%.
• Minimum payout: 2% of initial balance.
• Need at least 3 profitable days to request payout.

2-Step Challenge

• Bi-weekly payout schedule.
• Instant Payout add-on allows immediate withdrawal after hitting consistency target.
• Profit split: 80% → up to 90%.
• Minimum payout: 2% of initial balance.
• Must keep a 30% consistency score for payout.

Instant Funding

• Base schedule: monthly payouts.
• Instant Payout add-on enables earlier withdrawals after hitting consistency criteria.
• Profit split progression: 60% → 70% → 80% → 90% (from 4th payout onwards).
• Minimum payout: 2% of initial balance.
• Needs a 20% consistency score to qualify.

Instant Prime

• Bi-weekly payouts.
• Profit split: 80% → 90% → 100% from 3rd payout onward.
• Requires 20% or lower ESS.
• Minimum payout: 2% of initial balance.

Scaling Plan

Top One Trader scales accounts by 25% every 3 months once a trader reaches a cumulative 25% gain (with at least 8% profit each month during that period). Profits can still be withdrawn freely, and scaling continues up to a maximum of $5M in capital.

Restricted Countries

Additional Information

This summary brings together Top One Trader’s most important rules in one place — including consistency caps, instant funding behaviour, equity shield, IP restrictions, news rules and payout structures.

Use it as a quick reference when comparing Top One Trader with other prop firms on FundedPropHub so you can match its model with your own strategy, risk tolerance and payout preferences.