Top One Trader is a fast-growing U.S.-based proprietary trading firm that provides traders with access to funded trading accounts through transparent, performance-based evaluation programs. Designed for both beginner and experienced traders, the firm offers flexible funding options and competitive trading conditions within the prop trading industry.
Account sizes range from $5,000 to $200,000, giving traders the ability to choose a funded account that aligns with their experience level and risk tolerance. Top One Trader offers multiple funding pathways, including 1-step and 2-step evaluation challenges, as well as instant funded account options for traders who prefer to bypass the traditional evaluation process.
The firm supports different evaluation models, including both static and trailing drawdown systems, allowing for a fair and structured assessment of trading performance. With a tiered profit-split system of up to 100%, Top One Trader rewards disciplined trading, consistency, and strong risk management.
With its growing reputation in the prop trading space, transparent rules, and scalable funding opportunities, Top One Trader stands out as a solid choice for traders seeking funded accounts, flexible evaluation options, and long-term growth in proprietary trading.
Top One Trader has earned strong trader confidence with:
Category | Details |
Firm Name | TopOneTrader |
Founder / CEO | Matt Morris (Co-founder and CEO), Clay Hodges (Co-founder and CTO), Todd Hodges (Co-founder and COO) and Brycen Coffman (Cp-founder and CEO) |
Country/ Headquarters | United States |
Founded/ Years in Operation | ~2 years |
Trustpilot Rating | 4.6 / 5 |
Platforms Supported | TradeLocker, Match Trader, cTrader, MetaTrader 5 |
Payment Methods (Entry / Subscription) | Card payments and Cryptocurrency (through Confirmo) |
Payout / Withdrawal Methods | Riseworks. There is a 2% processing fee on all payouts. |
Tradable Assets | Forex, Indices, Metals, Cryptocurrencies |
Commission | Match Trader and ctrader: $2.00 per lot. Trade Locker and MetaTrader 5: $2.50 per lot. |
Scaling Potential | Up to $5,000,000 for top performers |
Discount / Promo | Code: REVIEWS - Gains each referral an extra 5% discount on top of any promotion code they currently offer. |
Payout Frequency | At Top One Trader, the payout frequency for funded accounts depends on the account type and any add-ons selected. Standard funded accounts, such as the 1-Step Flash or 2-Step Pro, typically allow traders to request payouts every 14 days once all requirements are met. Some accounts, including certain Instant Funding products, operate on a 30-day payout cycle unless an add-on is purchased to shorten the interval. Traders can also choose On-Demand or Weekly/Bi-Weekly payout add-ons for more frequent withdrawals, provided they meet eligibility criteria like minimum profitable days. Payouts are generally processed quickly, with many traders receiving funds within 1–2 hours after approval. |
Demo Account | Not available |
Profit Split | Tiered: 60% → 90% (instant funded), 80% → 90% (rest of account types) |
Payout Processing | Average time: ~1 hour 44 minutes |
Account Currency Options | USD only |
US Traders Allowed | Yes |
Restricted Countries | Afghanistan, Albania, Algeria, Armenia, Azerbaijan, Cuba, Iran, Iraq, Kazakhstan, Kuwait, Lebanon, Libya, North Macedonia, Morocco, Pakistan, Russian Federation, Somalia, Sudan, Syria, Turkey, Ukraine, Vietnam. |
Evaluation Challenges & Drawdown Structures
One-Step Account – A single-phase evaluation program designed for traders who prefer a faster route to funding.
Two-Step Account – A two-phase evaluation process focused on demonstrating trading consistency before funding.
Instant Funding Account – Provides immediate access to a funded account without an evaluation phase.
Instant Prime Account – An enhanced instant funding option with additional features for traders seeking greater flexibility.
One-Step Program
One-Step Program – Available with account sizes ranging from $5,000 to $200,000.
Pricing – Evaluation fees range from $64 to $1,079 before discounts, and the fee is refunded with the first payout.
Profit Target – Traders must achieve a 10% profit target.
Maximum Loss – Features a 7% maximum trailing drawdown.
Leverage – Offers leverage of up to 1:10.
Scaling Plan – Once funded, traders can request account scaling up to $5,000,000 after achieving a 25% increase in account balance within the required period.
Two-Step Program
Two-Step Program – Available with account sizes ranging from $5,000 to $200,000.
Pricing – Evaluation fees range from $85 to $1,291 before discounts, and the fee is refunded with the first payout.
Evaluation Structure – A two-phase evaluation process.
Profit Targets – 8% in Phase 1 and 5% in Phase 2.
Maximum Loss – Features an 8% maximum static drawdown.
Leverage – Offers leverage of up to 1:30 during the evaluation phase.
Scaling Plan – Once funded, traders can request account scaling up to $5,000,000 after achieving a 25% profit increase.
Instant Funding Program
Instant Funding Program – Provides immediate access to funded trading accounts.
Account Sizes – Available from $5,000 to $200,000.
Pricing – Fees range from $135 to $2,573 before discounts.
Maximum Loss – Features a 6% maximum trailing drawdown.
Leverage – Offers leverage of up to 1:50.
Scaling Plan – Traders can request account scaling every three months after achieving a 25% profit, supporting steady capital growth. 📈
Instant Prime Program
Instant Prime Program – Provides instant access to funded accounts with flexible trading conditions.
Account Sizes – Available from $5,000 to $200,000.
Pricing – Entry fees range from $94 to $1,776 before discounts.
Maximum Loss – Features a 5% maximum trailing drawdown.
Leverage – Offers leverage of up to 1:50.
Scaling Plan – Traders can request account scaling every three months after achieving a 25% profit, supporting long-term account growth. 📈
*Top One Trader offers three main challenge types, each designed for different trading styles and risk preferences.
Account Type | Drawdown Type | Max Drawdown | Description |
1-Step “Flash” | Trailing | 7% | Ideal for beginners; trailing drawdown grows with balance and locks in profit. |
2-Step “Pro” | Static | 10% | Designed for disciplined traders; static drawdown encourages consistency. |
Instant Funding | Trailing | 6% | Immediate funded access; trailing drawdown that adjusts with performance. |
Instant Prime | Trailing | 5% | Immediate funded access. |
Available Add-Ons
No Stop Loss – Available for Instant Funding and Instant Prime accounts.
Weekend Holding – Allows traders to hold positions over the weekend (Instant Funding & Instant Prime).
News Trading – Enables trading during major news events for Instant Prime accounts.
100% Profit Split – Provides 100% profit on the first withdrawal for Instant Prime accounts.
Upgrade – Increases the profit split (e.g., 90/10) for 1-Step and 2-Step accounts.
Weekly Payout – Allows weekly payouts after the first withdrawal for 1-Step and 2-Step accounts.
Instant Payout – Available only for 2-Step PRO accounts.
Account Sizes, Fees, and Profit Splits
Account Size | Evaluation Type | Entry Fee (USD) | Profit Target | Daily Loss Limit | Max Trailing Drawdown | Profit Split | Leverage Up To |
$5,000 | One-Step | $64 ($16 after 75% discount) | 10% | 4% | 7% | 80-90% | 10:1 |
$10,000 | One-Step | $107 ($37.45 after 65% discount) | 10% | 4% | 7% | 80-90% | 10:1 |
$25,000 | One-Step | $215 ($75.25 after 65% discount) | 10% | 4% | 7% | 80-90% | 10:1 |
$50,000 | One-Step | $286 ($100.1 after 65% discount) | 10% | 4% | 7% | 80-90% | 10:1 |
$100,000 | One-Step | $575 ($258.75 after 55% discount) | 10% | 4% | 7% | 80-90% | 10:1 |
$200,000 | One-Step | $1,079 ($485.55 after 55% discount) | 10% | 4% | 7% | 80-90% | 10:1 |
Account Size | Evaluation Type | Entry Fee (USD) | Profit Target (Phase 1) | Profit Target (Phase 2) | Max Drawdown (Static) | Consistency | Profit Split | Leverage Up To |
$5,000 | Two-Step | $119 ($53.55 after 55% discount) | 8% | 5% | 8% | 50% | 80-90% | 30:1 |
$10,000 | Two-Step | $189 ($103.95 after 45% discount) | 8% | 5% | 8% | 50% | 80-90% | 30:1 |
$25,000 | Two-Step | $355 ($195.25 after 45% discount) | 8% | 5% | 8% | 50% | 80-90% | 30:1 |
$50,000 | Two-Step | $491 ($270.05 after 45% discount) | 8% | 5% | 8% | 50% | 80-90% | 30:1 |
$100,000 | Two-Step | $1,057 ($687.05 after 35% discount) | 8% | 5% | 8% | 50% | 80-90% | 30:1 |
$200,000 | Two-Step | $1,807 ($1174.55 after 35% discount) | 8% | 5% | 8% | 50% | 80-90% | 30:1 |
Account Size | Evaluation Type | Entry Fee (USD) | Daily Loss Limit | Max Trailing Drawdown | Consistency | Profit Split Up To | Leverage Up To |
$5,000 | Instant Funding | $135 (33.75 after 75% discount) | 3% | 6% | 15% | 90% | 50:1 |
$10,000 | Instant Funding | $226 ($79.1 after 65% discount) | 3% | 6% | 15% | 90% | 50:1 |
$25,000 | Instant Funding | $423 ($148.05 after 65% discount) | 3% | 6% | 15% | 90% | 50:1 |
$50,000 | Instant Funding | $586 ($205.1 after 65% discount) | 3% | 6% | 15% | 90% | 50:1 |
$100,000 | Instant Funding | $1,142 ($513.9 after 55% discount) | 3% | 6% | 15% | 90% | 50:1 |
$200,000 | Instant Funding | $2,573 ($1157.85 after 55% discount) | 3% | 6% | 15% | 90% | 50:1 |
Account Size | Evaluation Type | Entry Fee (USD) | Daily Loss Limit | Max Trailing Drawdown | Equity Stability Score (ESS) | Profit Split Up To | Leverage Up To |
$5,000 | Instant Prime | $94 ($23.5 after 75% discount) | 2.5% | 5% | 20% | 100% | 50:1 |
$10,000 | Instant Prime | $158 ($55.3 after 65% discount) | 2.5% | 5% | 20% | 100% | 50:1 |
$25,000 | Instant Prime | $296 ($103.6 after 65% discount) | 2.5% | 5% | 20% | 100% | 50:1 |
$50,000 | Instant Prime | $410 ($143.5 after 65% discount) | 2.5% | 5% | 20% | 100% | 50:1 |
$100,000 | Instant Prime | $798 ($359.1 after 55% discount) | 2.5% | 5% | 20% | 100% | 50:1 |
$200,000 | Instant Prime | $1,776 ($799.2 after 55% discount) | 2.5% | 5% | 20% | 100% | 50:1 |
Trading Rules and Conditions
Rule / Condition | Details |
Account Types | One Step, Two Step, Instant Funding and Instant Prime |
EAs (Expert Advisors) | Allowed in challenges (must be unique/personal); not allowed on funded or instant accounts |
Copy Trading | Not allowed |
Account Merging | Not allowed |
Max Total Funded Capital | $300,000 (across all accounts per trader/household) |
VPS Use | Allowed |
News Trading | Allowed, but trades cannot be opened or closed 5 minutes before or after high-impact news |
Overnight / Weekend Trades | Allowed |
Weekend Holding | Allowed; for instant funded accounts, must purchase “weekend holding” add-on |
Leverage | Up to 1:30 |
Profit Split | Typically 8% per challenge (varies by plan) |
Consistency Rule | 2-Step Pro: 50%; Funded Accounts: 30% (no single day can exceed 30% of total profit) |
Scaling Plan | Every 3 months when you have achieved at least 25% total gains (with at least 8% each month) you can request scaling. Once verified your capital will increased by 25% of your initial account balance. You can scale up to a maximum of $5 million. |
Refund Policy | Evaluation fee refunded with first payout for one-step and two-step accounts. No refund available for Instant Funding and Prime Funding accounts. |
Martingale | No |
Scaling into trades | Allowed |
Stop loss required | Yes unless you purchase a 'No Stop Loss' add-on. |
Prohibited Strategies | Top One Trader strictly bans trading practices that undermine fair and independent trading, including high-frequency trading and tick scalping, latency or arbitrage strategies that exploit execution delays, and grid or martingale systems due to their high risk profile. Copy trading between different users or across accounts without a sufficient time gap, hedging across multiple accounts, and news trading around high-impact events on funded accounts are also prohibited. Additionally, third-party account management, commercially available or hidden automated EAs that generate identical trades, excessive risk-taking or gambling-style behavior, and improper use of multiple IP addresses are not allowed and may lead to account breaches or profit forfeiture. |
Daily Loss Limit | ~5% (depends on account type) |
Max Drawdown | 7–10% (trailing or static) |
Time Limit | Many challenges have no time limit |
Prop Firm | Evaluation Type | Account Sizes | Cost | Profit Target | Max Loss | Scaling Max | Discount |
Top One Trader | Instant, 1-2 Step | $5k-$200k | $64–$2,573 (pre-discount) | 8-10% (phase 1), 5% (phase 2) | 6-8% | $5 million | 82.7% Off (REVIEWS) – Stack with Their Code |
Funding Pips | Instant, 1-2 Step | $5k-$200k | $29-$998 | 6-10% (phase 1), 5-6% (phase 2) | 5-10% | $2 million | 20% off (HAPPY) |
Blue Guardian | Instant, 1-2 Step | $5k-$200k | $27-$1050 | 6-10% (per phase) | 6-10% | $2 Million | 30% off (REVIEWS) |
The5ers | 1-3 Step | $5k-$250k | $39-$850 | 6-10% (per phase) | 6-10% | $4 Million | 5% off (REVIEWS) |
Top One Trader Pro's
Top One Trader Con's
Blue Guardian Pro's
Blue Guardian Con's
The5ers Pro's
The5ers Con's
Funding Pips Pro's
Funding Pips Con's
Top One Trader has quickly established itself as a flexible and competitive proprietary trading firm, offering a wide range of funding options including instant funded accounts, as well as 1-step and 2-step evaluations. With account sizes scalable up to $5 million, it provides a strong pathway for traders looking to grow their capital significantly over time.
One of its key advantages is affordability—especially when discount codes are applied—making it one of the more cost-effective prop firms to get started with. The firm also offers profit splits of up to 100% and refunds evaluation fees with the first payout for 1-step and 2-step accounts, reducing the upfront financial risk for traders.
However, there are some limitations to consider. Expert Advisors (EAs) are not allowed on funded accounts, and restrictions such as no copy trading or account merging may limit flexibility for certain trading strategies.
Bottom line: Top One Trader is a strong option for traders seeking affordable entry, flexible evaluation choices, and high scaling potential. It is best suited for manual traders who want a clear path to large capital, while those relying on automated strategies or copy trading may need to explore alternative prop firms.
Otherwise, explore these strong alternatives:
The5ers Review: No-time-limit hyper growth to $4M, EA-friendly
FTMO Review: Scale up to $2 million
E8 Markets Review: Up to 100% splits, stackable accounts
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