Are you searching for prop trading challenges that offer the lowest cost and an entry to funded accounts? Your search ends here, at Top One Trader. The evaluation model created on an advanced prop trading platform offers two low-cost evaluations: the one-step and two-step challenge. These challenges are easy to pass. Beginners can pass these evaluations to get funded.  Profitable traders can skip the evaluation stage and proceed directly to the funded stage. They offer two funded accounts, Instant Funding and PRIME accounts. 
 

Let us explore the Top One Trader two-step challenges, its funded accounts, how both work, and how traders can benefit.
 

Top One Trader Challenge Types and Features

The Top One Trader challenges are suitable for profitable traders and beginners. Let us show you how.
 

1. Basics of the 1-Step Challenge of the Top One Trader

• After successful completion, the trader can access the funded accounts.  
• The trader must attain the profit target of 10%. The best part is that there is no time limit.
• Top One Trader allows EAs (Expert Advisors), which most evaluations bar.
• You will work in a simulated environment on the most advanced platform technologies, namely, TradeLocker, MatchTrader, MT5, and cTrader.

2. Basics of 2-Step Challenge on Top One Trader

• You need to pass both Phase 1 and Phase 2 with different profit targets.
• You cannot exceed the daily loss limit and the maximum drawdown at any stage during the evaluation.
• If you are in Phase 2, you need to satisfy an additional consistency rule.
• The profit target in Phase 1 is 8%.
• The maximum daily loss limit is 4% of the initial account balance.
• The maximum drawdown is 8% of the initial account balance.
• Phase 1 differs from Phase 2 only in the additional consistency rule.
• The consistency rule is 50%. Your profitable day cannot exceed the consistency rule.
• The consistency rule eliminates sudden big gains.
• There is no time limit for the challenges: Phases 1 and 2.

• Traders enjoy the freedom to learn and test strategies and then apply them when they are confident

  about the positive results..

• The Top One Trader inactive rule. The trader must execute at least one trade in 30 days.
• Top One Trader wants every trader to follow stop-loss on every trade to prevent loss of capital, unless they have purchased an add-on.

3. Get Instantly Funded with Top One Trader's Instant Funding program

• Top One Trader offers low-cost instant funding programs
• Instant Funding and PRIME with zero profit targets.
• Lower trailing drawdown limit of 5% and fewer risk control measures.
• You must comply with the Equity Stability Score (ESS).
• Weekend holding and news trading may be allowed, but are available with add-ons at checkout

How Top One Trader Works (Step-by-Step Guide)

You have a variety of options to choose from to start your funded trading path at Top One Trader.
 

  1. Your first step is to Choose Your Challenge:

Accounts to choose from:

• One-step Challenge
• Two-step Challenge
• Instant Funding
• Instant Prime

Traders start by selecting from one of the challenge types: the 1-Step and the 2-Step, or Instant Funding/Instant Prime instant-funded accounts.
 

    2. Next is to choose the account size:
Select either our 1-Step Challenge or our 2-Step Challenge depending on your trading preferences. 
 

You can choose the account size from $10,000 to $200,000.  
 

     3. Go for the Challenge - Accept it and Pass
Take your trading challenge and prove you have what it takes to be a Top One Trader. Hold trades over the weekend, news trading and EAs allowed, and trade with either TradeLocker, Match Trader or cTrader.
 

      4.The Final Stage - Get funded and earn profits from day 1
After completing your challenge, you’ll submit your identity verification (KYC) documents. Once submitted and your documents are approved, your live account will be activated, and you’re ready for trading.  
 

How Traders benefit from on Top One Top One Trader

Here’s why many traders in 2025 are choosing Top One Trader as their prop-firm partner.
 

      1. High Profit Splits

Top One Trader offers a payout of up to 90%. Traders benefit from the maximum share of their earnings, based on certain conditions.

        2.Scalability

A Trader can apply for a scaling option up to $5 million every 3 months.

        3.Risk Protection via EquityShield

Top One Trader offers unique risk protection for loss and capital. It is called the Equity Shield, an automated risk control tool. It protects the traders and the firm from huge losses. Equity Shield’s automated control closes the trades automatically after it senses that the trader has exceeded the loss thresholds.

         4.Multiple Challenge Options to suit every trader’s needs

You can choose the 1-Step challenge to pass and get funded. The 2-Step challenge is suitable for beginners who want a lower profit target. You can select a low-cost funded account to start immediately. A profitable trader with a proven track record of earning consistent profit, Instant Prime is just right. It has no profit targets, fewer account rules, and boundless income growth..

         5.Flexible Rules according to your Trading Style

During challenge, Top One Trader allows EAs, weekend holding, and news trading, but you need to apply for it via add-ons at checkout.

         6.Fast Payout

Super-fast and consistent payouts. The Top One Trader Platform benefits the traders with an average payout speed of 1 hour and 44 minutes, as claimed on their website. 
 

         7.Transparent Rules

Traders can benefit from the flexible and transparent rules. It has low-cost accounts and easy profit targets. The drawdowns and consistency rules are easy to adhere to. They clearly explained in the Top One Trader FAQs section.

         8.Community & Support

Top One Trader has one of the largest community supports. It benefits traders with its unique mentorship programs. Top One Trader has great customer support. They are ready 24/7 to resolve queries.  Top One Trader is equipped with strong educational resources, coaching and mentorship programs, and a community. Traders can greatly benefit from these collaborative programs and learnings.

Final Word

The Top One Trader uses the world’s top platform technologies. It offers fast execution of profitable setups and grabs profits. Its low-cost challenge and funded accounts benefit traders with fast payouts, scalability, and high profit splits. The low-cost challenge is refundable. Beginners can build a solid foundation in prop trading. Experienced traders can boost their profits. To start what you deserve, https://app.toponetrader.com/sign-in or instant funding, or Instant Prime accounts.