Full Top One Trader Review for 2025 – Features, Payouts, Rules Explained
Read our full Top One Trader prop firm review, including detailed breakdowns of evaluation steps, drawdown rules, account types, and payout systems.
5.0
Top One Trader
5.0
Forex, Crypto, Indices, Metals
US
CEO: Matt Moris
Coupon Code:
Trade Locker
MatchTrader
cTrader
Wire Transfer/ Bank Transfer
Crypto
Crypto
Wire transfer/ Bank Transfer
Top One Trader Review 2025
Top One Trader is a prop firm that helps traders get access to real capital without risking their own money. Whether you are new or experienced, they offer different challenge types including 1-step, 2-step, and instant funding so you can pick what fits your style best. With up to 90% profit share, no deadlines, and coaching included, it is built for traders who want real growth with solid support.
Top One Trader Prop Firm Overview
| Feature | Details |
| Company Name | Top One Trader |
| Broker | The broker associated with Top one Trader is Not Disclosed |
| Company Legal Name | The legal name of Top One Trader is Top One Trader, LLC |
| Company legal number | Top One Trader legal number is Is not publicly available |
| CEO | The CEO of Top One Trader is Matt Moris |
| Headquarters | Top One Trader is based in Sheridan, Wyoming, USA |
| Years in operation | Top One Trader has been operating since 2 years |
| Challenge Types | Top One Trader challenge type includes 1-Step, 2-Step challenge and instant funding |
| Challenge Fees | Top One Trader challenge fee starts from Starting from $81 |
| Profit Split | Traders can earn Up to 90% profit split with Top One Trader |
| Account Sizes | The Account size for Top One Trader range from $12,500 to $250,000 |
| Payouts | Top One Trader payouts are available Bi-weekly or monthly |
| Financial Markets | Trading instruments provided by Top One Trader are Forex, Indices, Metals, Cryptocurrencies |
| Trading Platforms | Platforms supported by Top One Trader are TradeLocker, MatchTrader, cTrader |
| TrustPilot Score | Top One Trader is rated 4.6/5 on Trustpilot |
| Coupon Code | TRUSTED - ✅ 25% OFF on Top One Trader Challenge |
Top One Trader Pros & Cons - Quick Comparison
Before diving into any prop firm, it helps to know the good and the not-so-good, plain and simple. Top One Trader has become a go-to for many because of its fast-track challenges, high profit splits, and no-nonsense rules. But like any platform, it is not perfect. Whether you are thinking of trying the 1-step, 2-step, or instant funding route, here is a quick look at what works and what might need a second thought.
| Pros | Cons |
| Generous profit split up to 90% | Broker information not disclosed |
| Flexible challenge options (1-Step and 2-Step and instant funding) | Limited educational resources |
| No time limits on challenges | Lower leverage on 1-Step challenge (up to 10:1) |
| Allows weekend and news trading | No free trial or demo accounts |
| Supports use of Expert Advisors (EAs) | No trading competitions available |
| Bi-weekly and monthly payout options | Limited tradable assets compared to some competitors |
| Scaling opportunities up to $5 million | Challenge fees are non-refundable if the challenge is not passed |
| EquityShield risk management feature | Not available in certain countries due to regulatory restrictions |
Top One Step Challenge Types, Fees, and Profit Split
Top One Trader provides two primary challenge models with instant funding is designed for traders to assess and fund proficient traders:
| Feature | 1-Step | 2-Step | Instant Funding |
| Account Sizes | $5K - $200K | $5K - $100K | $5K - $200K |
| Profit Target | 10% | 8% (Phase 1) / 5% (Phase 2) | None |
| Drawdown | 4% Daily / 7% Trailing | 5% Daily / 10% Static | 6% Trailing |
| Profit Split | Up to 90% | Up to 90% | Up to 90% |
| Leverage | 10:1 | 30:1 | 10:1 |
| EAs Allowed | Yes | Yes | Yes |
| Weekend Holding | Yes | Yes | Yes |
| Platform | - | - | TradeLocker |
| Fees (From) | $29 - $499 | $39 - $349 | $62 - $1175 |
Top One Trader 1-step challenge
The 1-Step Challenge by Top One Trader is perfect for traders who want a faster and simpler evaluation without multiple phases. You get full access to trading resources, a solid 90% profit split, and just one goal: hit the 10% profit target while staying within the drawdown limits.
With no time limit, weekend holding allowed, and EAs permitted, this challenge gives you enough freedom to trade your way, without the pressure of deadlines or phase changes.
Top One Trader 1-step challenge breakdown:
| Account Size | Trading Balance | Fee (1x) | Fee (2x) |
| $5,000 | $5,000 | $29 | $59 |
| $10,000 | $10,000 | $49 | $99 |
| $25,000 | $25,000 | $99 | $199 |
| $50,000 | $50,000 | $132 | $265 |
| $100,000 | $100,000 | $266 | $532 |
| $200,000 | $200,000 | $499 | $999 |
Why Choose the 1-Step Challenge?
- Straightforward: One phase, one goal reach 10% profit.
- Fast Start: No long waiting periods or multiple steps.
- Good Drawdown Room: 4% daily and 7% trailing give you space to manage risk.
- High Profit Share: Keep up to 90% of what you earn.
- EAs Allowed: Use automation or manual strategies your choice.
- Unlimited Time: Trade at your own pace without deadlines.
Top One Trader 2-Step Challenge
The 2-Step Challenge is for traders who are confident in their consistency. With two phases to complete each with its own profit target it is a bit more structured than the 1-Step, but gives you more room to prove your skill over time.
You will still get full access to coaching, a 90% profit split once funded, and helpful risk rules like static drawdown and a 50% consistency requirement to keep your trading sharp and steady.
Top One Trader 2-Step Challenge Breakdown:
| Account Size | Trading Balance | Fee (1x) | Fee (2x) |
| $5,000 | $5,000 | $39 | $79 |
| $10,000 | $10,000 | $62 | $125 |
| $25,000 | $25,000 | $117 | $235 |
| $50,000 | $50,000 | $162 | $325 |
| $100,000 | $100,000 | $349 | $699 |
Why Choose the 2-Step Challenge?
- Structured Growth: Two profit targets 8% in Phase 1, 5% in Phase 2.
- Static Drawdown: 10% max drawdown that does not trail your equity.
- Strong Payout Potential: Earn up to 90% of your profits.
- Consistency Rule: Encourages smoother, smarter trading.
- High Leverage: 30:1 to give you more trade flexibility.
- Unlimited Time: No pressure from deadlines go at your pace.
Top One Trader Instant Funding
Want to skip the evaluation and get live capital straight away? Top One Trader’s Instant Funding program is for experienced traders who are ready to go live from day one. No phases. No targets. Just trade smart and withdraw profits.
You’ll still get access to trading education, high leverage, and generous profit splits all on the fast and intuitive TradeLocker platform.
Top One Trader Instant Funding Breakdown
| Account Size | Trading Balance | Trailing DD | Profit Split | Fee (1x) | Fee (2x) |
| $5,000 | $10,000 | 6% | Up to 90% | $62 | $125 |
| $10,000 | $10,000 | 6% | Up to 90% | $104 | $209 |
| $25,000 | $10,000 | 6% | Up to 90% | $196 | $392 |
| $50,000 | $10,000 | 6% | Up to 90% | $271 | $543 |
| $100,000 | $10,000 | 6% | Up to 90% | $528 | $1057 |
| $200,000 | $10,000 | 6% | Up to 90% | $1175 | $2349 |
Why Choose Instant Funding?
- No Evaluation Phases : You are live from the start.
- 90% Profit Split: Keep more of what you earn.
- Low Drawdown Limits : Max trailing drawdown capped at just 6%.
- Unlimited Time : Trade on your own schedule.
- TradeLocker Access : Clean interface and fast execution.
- Built-in Coaching : Includes trading course access to sharpen your edge.
Which Challenge Should You Choose?
| Challenge Type | Best For |
| 1-Step | Experienced traders wanting speed, simplicity, and fast payouts |
| 2-Step | Consistent traders who prefer a structured evaluation with defined milestones |
| Instant Funding | Skilled traders ready to trade live immediately without any evaluation phase |
Our Review on Top One Trader Challenges
Top One Trader does a great job balancing structure with flexibility something not all prop firms pull off well. They offer three challenge types, each catering to different trader mindsets. The 1-Step Challenge is perfect if you are confident and want a quicker path to funding, while the 2-Step Challenge is ideal for those who prefer a more measured, consistent approach. Both options offer up to 90% profit split, solid drawdown rules, and unlimited time, which really takes the pressure off.
What’s interesting is their Instant Funding model. You skip the whole evaluation process and go live immediately. That’s a bold choice, but great for seasoned traders who just want to get started.
All in all, Top One Trader keeps things transparent. Whether you like to move fast or take your time, they give you room to grow, without overwhelming you with complex rules. A solid pick for traders who want clarity, payout potential, and challenge flexibility.
Top One Trader Scaling Plan
Grow Your Account All the Way to $5 Million
Top One Trader does not just fund you they grow with you. If you are serious about long-term trading, their scaling plan is designed to help you build real momentum, not just hit short-term targets.
Here is how it works in simple words:
Start with any funded account (up to $300K), and if you show consistent results, you can scale up your capital over time up to a maximum of $5 million.
How Scaling Works
Timeline: Every 3 months, your performance is reviewed.
Goal: Gain a total of 25% across those 3 months.
- You must hit at least 8% in each month.
Reward: If you qualify, you will get 25% more capital based on your original account size.
Example:
Start with $100,000 → Hit the target → Get bumped to $125,000 → and so on.
Do You Need to Keep Your Profits in the Account?
Nope! You can still withdraw your profits monthly. What matters is hitting that 25% total gain. But yes if you let your profits sit in the account, you might scale up even faster.
Top One Trader wants to back real traders, not just one-time performers. If you are consistent, they will keep increasing your firepower.
Our Review on Top One Trader’s Scaling Plan
Top One Trader’s scaling plan is simple and rewarding. If you stay consistent hitting 25% total gain over 3 months with at least 8% each month they will increase your capital by 25% of your starting balance. You don’t need to keep profits locked in either; withdrawals won’t hurt your scaling eligibility.
It is a solid system for traders focused on long-term growth, not just short-term wins. Perform well, and you can scale all the way up to $5 million.
Top One Trader Spreads and Commission
Spreads:
Top One Trader offers competitive spreads through various platforms:
- Match Trader: To check raw spreads on Match Trader. Go through this link.
- mail: spreadtest@topone.com
- Password: ehdcjt7crfpe
Trade Locker: To check spreads on Trade Locker, Go through this link
- Email: spreadtest@topone.com
- Password: F5sa,AVFw7m]
- Server: TOPONE
- cTrader: Traders can check the spreads on cTrader web trader platform. Click here to check.
Trading Commissions
Commissions vary depending on the platform:
- Match Trader: $2.00 per lot for FX, Metals, Indices, Crypto
- Trade Locker: $2.50 per lot for the same assets
- cTrader: $2.00 per lot for FX & Crypto, no commissions on Metals & Indices
If you are a serious trader about growing, this plan gives you room to scale, not just trade. Stay consistent, and Top One Trader rewards you with real capital increases. Simple, fair, and built for long-term success.
Top One Trader Daily Drawdown : What You Need to Know
One of the things that really sets Top One Trader’s Instant Funding Accounts apart? There are no daily drawdown rule. Yup, you read that right.
Most prop firms put a daily cap on how much you're allowed to lose in a day. It’s a common way to control risk but it can also mess with your flow, especially during volatile market days.
But with Top One Trader's Instant Funding program, you’re not boxed in. You won’t get shut down just because one trade went sideways. This gives you way more freedom to handle the market your way, especially if you’re already good at managing your overall account risk.
So what’s the deal?
- No daily limit on how much you can lose in a day.
- You still have to manage your trailing drawdown (so don’t go all-in recklessly).
- It’s designed for traders who trust their process and think long-term, not just trade by tight daily rules.
In short, you get more breathing room just make sure you use it wisely.
Top One Trader Prohibited Trading Rules
They have laid out clear rules to make sure no one cheats the system, and if you try to bend those rules, there’s a good chance your account will be shut down. These rules are not here to scare you they are here to keep things fair and sustainable for everyone on the platform.
Here is a simplified table of what is allowed and what’s not:
| Rule | Allowed? | Details |
| Weekend Trading | Yes | You can hold trades over weekends across all account types. |
| Expert Advisors (EAs) | Limited | Allowed if transparent and not masked. Pre-made commercial bots are not allowed. |
| High-Frequency Trading / Tick Scalping | No | No ultra-fast trading or holding trades for just seconds. |
| Latency Arbitrage / Delayed Feed Tricks | No | Using execution delays or feed mismatches to gain an edge is strictly banned. |
| Copy Trading (Own Accounts) | Yes | Allowed only if all accounts are under your own name. |
| Copy Trading (External / Group) | No | Copying trades across unrelated accounts or in groups is not allowed. |
| Hedging (Same Account) | Yes | You can hedge inside one account. |
| Hedging Across Accounts | No | Hedging trades across different accounts or firms is not allowed. |
| News Trading (Funded Only) | No | No opening or closing trades 5 mins before/after high-impact news unless trade was open 5+ hours. |
| Grid Trading | No | Placing buy/sell orders at regular intervals is not allowed. |
| Martingale Strategy | No | Doubling down on losing trades? Completely banned. |
| Third-Party / “Pass Your Challenge” Services | No | You must trade your own account no outsourcing or hiring someone else. |
| Gambling / YOLO / Overleveraging | No | Reckless risk-taking is not tolerated. |
| Multiple IP Addresses (Shared Use) | No | Don’t log in from the same IP as others unless authorized. |
| Account Churning / Rolling | No | Opening many evaluations and abusing the system is strictly banned. |
| U.S. Traders on cTrader | No | Logging in to cTrader from the U.S.? Your account will be hard-breached. |
Top One Trader News Trading Rules
Traders can trade freely during news events within the challenge phases.
Funded traders cannot open or close trades five minutes before or five minutes after a major news event. A trader who begins or ends their trading activities (even in preset orders such as stop loss or take profit) within five minutes of a high-impact event stands to lose any profits earned during that interval.
Trades may be held through news events if they are initiated at least five minutes before the event.
Final Thought on Top One Trader Trading Rules
These rules are not here to scare you they are here to keep things real and simple for traders. If you are trading with integrity, none of these should be an issue. Just stick to your strategy, manage your risk, and you will have a smooth ride. But if you are thinking about shortcuts, this is not the place. Top One Trader takes rule violations seriously and they are not shy about shutting things down fast.
Instruments Offered by Top One Trader
Top One Trader offers a good range of instruments whether your interest lies in forex, metals, indices or crypto. If you are a serious trader looking to build strategy across major markets too and are working with individual stocks, there is still plenty to work with.
Here is a quick summary of what are the tradable assets on TradeLocker, Match Trader, cTrader, and Platform 5.
Forex (Currency Pairs)
You get all the usual major pairs and a strong variety of minors and crosses.
- Majors: EURUSD, GBPUSD, USDJPY, AUDUSD, NZDUSD, USDCAD, USDCHF
- Minors/Crosses: AUDCAD, CADJPY, EURNZD, GBPAUD, EURGBP, GBPJPY, EURCHF and more.
Indices (No Individual Stocks)
You can trade big market indices from around the world, including:
- Europe & UK: EU50, FRA40, GER30/40, UK100, ITA40, SPA35, SUI20
- USA: US30, US100, US500, US2000
- Asia-Pacific: AUS200, JAP225, HKIND, CHNIND
Note: Some indices are “coming soon” to TradeLocker, so double-check your platform for availability.
Precious Metals
You are in luck if precious metals are your business, including gold and silver:
- XAUUSD (Gold)
- XAGUSD (Silver)
Cryptocurrencies
Cryptocurrencies have become extremely popular in the past few years.
Top One provides access to the major players in crypto:
- BTCUSD - Bitcoin
- ETHUSD - Ethereum
Do not forget that crypto spreads are usually larger than those in forex. Thus, make sure your plan is adjusted properly.
Our Review on Instruments
Top One Trader keeps it clean and focused no distractions from penny stocks or random assets. Whether you are a forex scalper, an indices swing trader, or a crypto enthusiast, there’s enough here to build and test solid strategies. Always match your instrument with your trading style and don’t forget to check which instruments are available on your chosen platform before diving in.
Payment & Payout Process at Top One Trader
Top One Trader has made the payout process simple, here are a few steps you should be aware of. Here is how everything works:
How You will Get Paid
Top One Trader uses RiseWorks to process all trader payouts.
You can receive your withdrawal through:
- Bank Transfer
- Cryptocurrency (great for faster global access)
A small 2% processing fee applies to all payouts so make sure to factor that in when planning your withdrawals.
How to Request a Payout
When you are eligible to withdraw profits (as per your plan rules), a “Payout Request” button will pop up on your trader dashboard.
Here’s what happens next:
- You hit the payout button.
- The Top One accounts team gets notified.
- Within 24 hours, you’ll get an email invite from RiseWorks. (Not auto-sent, so give it a little time.)
What to Do When You Get the RiseWorks Invite
Your email invite will have a button to “Accept Invite” once you click that:
- Enter your details
- Complete KYC (Know Your Customer) verification
- Set up your Rise ID and a Signing Key
- Finish any tasks listed in your Rise dashboard
Once that is done, the payout process begins.
How Long Does It Take?
- Risk Review: 12 to 72 hours
- Payout Sent: After your RiseWorks account is verified
- Confirmation: You will get a certificate of withdrawal in your dashboard after completion
Final Word on Payouts
Top One Trader ensures seamless operations. All you need to do is follow simple steps, check your email, and profits will be rolling in. The system supports both bank and crypto transactions. Keep in mind the system fee of 2%, and allow 1 to 3 days for processing.
Country Restrictions at Top One Trader
Top One Trader follows strict compliance rules. That means traders from certain countries, especially those flagged by OFAC (Office of Foreign Assets Control), are not allowed to use the platform.
Restricted Countries at Top One Trader
- Afghanistan
- Albania
- Algeria
- Armenia
- Azerbaijan
- Cuba
- Iran
- Iraq
- Kazakhstan
- Kuwait
- Lebanon
- Libya
- Macedonia
- Morocco
- Pakistan
- Russian Federation
- Somalia
- Sudan
- Syria
- Turkey
- Ukraine
- Vietnam
Final Thought on Top One Trader
Top One Trader is not just another prop firm trying to ride the wave it is built for traders who are serious about growth, not gimmicks. Whether you are chasing consistency, looking for a flexible challenge, or want a real shot at scaling up to millions in capital, they have got the tools and support to back you.
They don’t promise shortcuts. But if you are willing to put in the work, stay within the rules, and manage risk smartly Top One Trader might just be the steady partner you need in your funded trading journey.