US-Based Prop Firm Since 2023
Expert analysis by Jonathan Jean-Philippe • 15+ years trading experience • Last updated September 17, 2026
TopOneTrader is a fast-growing US-based prop firm known for ultra-fast payouts (~90 minutes) and up to 100% profit split. Scale up to $5 million with 4 distinct funding programs.
By Jonathan Jean-Philippe • Professional Trader & Prop Firm Analyst
As a newer firm, TopOneTrader has proven themselves with fast payouts and solid trader support. Their PRIME accounts are particularly interesting for serious traders.
💡 My Recommendation:
Start with a One-Step $50K at $359 to test their platform. Their ~90 min payouts are industry-leading.
⚠️ Watch Out:
Their tight drawdown limits on PRIME require careful position sizing. Newer firm means less track record.
Note: This review is independent, but I may receive a commission if you use my links, which helps fund my €200K+ testing lab.
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TopOneTrader is a proprietary trading firm headquartered in Sheridan, Wyoming, USA. Founded in 2023, the company has quickly established itself as a competitive player in the prop trading industry, known for their industry-leading payout speeds and flexible funding programs.
What sets TopOneTrader apart is their ultra-fast payout processing - averaging just 90 minutes from request to receipt. This is significantly faster than most competitors who typically take 1-5 business days. Combined with up to 100% profit split on their PRIME accounts, they offer one of the most trader-friendly compensation structures in the industry.
TopOneTrader offers four distinct funding programs to accommodate different trader profiles: the One-Step Challenge for quick funding, Two-Step Challenge for traditional evaluation, Instant Funding for immediate access, and Instant PRIME for traders seeking the highest profit splits with tighter risk parameters.
The firm supports trading on Forex, Stock Indices, Precious Metals, and Cryptocurrencies through multiple platforms including MT5, cTrader, TradeLocker, and MatchTrader - all integrated with TradingView for advanced charting capabilities.
TopOneTrader offers multiple paths to funded trading, each designed for different trader preferences and risk tolerances. Here's how to get started:
Pass a trading evaluation (One-Step or Two-Step) to prove your skills and get funded.
Skip evaluation entirely with Instant Funding or PRIME - start trading immediately.
Unlike many competitors, TopOneTrader has no time limit on their evaluation phases. Take as long as you need to reach your profit targets while respecting the drawdown rules. This reduces pressure and allows for more strategic, disciplined trading.
TopOneTrader offers four distinct funding programs. Select the one that best matches your trading style and risk tolerance:
The quickest way to get funded. Pass one evaluation phase with a 10% profit target and you're in. Features a 7% trailing drawdown and no time limit.
| Account | Price | Target | Daily Loss | Max Loss | Leverage | Split | |
|---|---|---|---|---|---|---|---|
| $5,000 | $64 | 10% | 4% | 7% (trailing) | 1:10 | Up to 90% | Get Started |
| $10,000 | $119 | 10% | 4% | 7% (trailing) | 1:10 | Up to 90% | Get Started |
| $25,000 | $239 | 10% | 4% | 7% (trailing) | 1:10 | Up to 90% | Get Started |
| $50,000Popular | $359 | 10% | 4% | 7% (trailing) | 1:10 | Up to 90% | Get Started |
| $100,000 | $539 | 10% | 4% | 7% (trailing) | 1:10 | Up to 90% | Get Started |
| $200,000 | $1,079 | 10% | 4% | 7% (trailing) | 1:10 | Up to 90% | Get Started |
The traditional evaluation path with two phases. Phase 1 requires 8% profit, Phase 2 requires 5%. Features higher leverage (1:30) and static 8% max drawdown.
| Account | Price | Phase 1 | Phase 2 | Daily Loss | Max Loss | Leverage | |
|---|---|---|---|---|---|---|---|
| $5,000 | $85 | 8% | 5% | 4% | 8% (static) | 1:30 | Get Started |
| $10,000 | $145 | 8% | 5% | 4% | 8% (static) | 1:30 | Get Started |
| $25,000 | $299 | 8% | 5% | 4% | 8% (static) | 1:30 | Get Started |
| $50,000Popular | $439 | 8% | 5% | 4% | 8% (static) | 1:30 | Get Started |
| $100,000 | $699 | 8% | 5% | 4% | 8% (static) | 1:30 | Get Started |
| $200,000 | $1,291 | 8% | 5% | 4% | 8% (static) | 1:30 | Get Started |
Skip the evaluation entirely and get funded immediately. No profit targets to hit - just trade within the risk limits. Profit split starts at 60% and can scale to 90%.
| Account | Price | Daily Loss | Max Loss | Leverage | Split | |
|---|---|---|---|---|---|---|
| $5,000 | $135 | 3% | 6% (trailing) | 1:50 | 60-90% | Get Started |
| $10,000 | $265 | 3% | 6% (trailing) | 1:50 | 60-90% | Get Started |
| $25,000 | $599 | 3% | 6% (trailing) | 1:50 | 60-90% | Get Started |
| $50,000Popular | $999 | 3% | 6% (trailing) | 1:50 | 60-90% | Get Started |
| $100,000 | $1,599 | 3% | 6% (trailing) | 1:50 | 60-90% | Get Started |
| $200,000 | $2,537 | 3% | 6% (trailing) | 1:50 | 60-90% | Get Started |
The premium option with up to 100% profit split. Tighter risk parameters (5% max drawdown) but the best compensation in the industry. No profit targets - start earning immediately.
| Account | Price | Daily Loss | Max Loss | Leverage | Split | |
|---|---|---|---|---|---|---|
| $5,000 | $64 | 2.5% | 5% (static) | 1:50 | 80-100% | Get Started |
| $10,000 | $119 | 2.5% | 5% (static) | 1:50 | 80-100% | Get Started |
| $25,000 | $239 | 2.5% | 5% (static) | 1:50 | 80-100% | Get Started |
| $50,000Popular | $359 | 2.5% | 5% (static) | 1:50 | 80-100% | Get Started |
| $100,000 | $539 | 2.5% | 5% (static) | 1:50 | 80-100% | Get Started |
| $200,000 | $1,079 | 2.5% | 5% (static) | 1:50 | 80-100% | Get Started |
Understanding the rules is crucial for success with any prop firm. Here's a comprehensive breakdown of TopOneTrader's trading rules:
| Rule | One-Step | Two-Step | Instant | PRIME |
|---|---|---|---|---|
| Daily Loss Limit | 4% | 4% | 3% | 2.5% |
| Max Drawdown | 7% (trailing) | 8% (static) | 6% (trailing) | 5% (static) |
| Min Trading Days | 3 profitable | 3 profitable | None | None |
| Time Limit | Unlimited | Unlimited | N/A | N/A |
| Leverage | 1:10 | 1:30 | 1:50 | 1:50 |
TopOneTrader offers a diverse range of trading instruments across multiple asset classes:
Major, minor, and exotic pairs
Major global stock indices
Precious metals trading
Major cryptocurrencies
TopOneTrader supports four professional trading platforms, all integrated with TradingView:
Industry-standard platform with advanced charting, EAs support, and mobile apps.
Modern platform known for its clean interface and advanced order types.
New-generation platform with TradingView integration built-in.
Innovative platform with social trading features and advanced analytics.
Industry-leading payout speed
TopOneTrader is known for having one of the fastest payout processing times in the industry. While most prop firms take 1-5 business days, TopOneTrader averages just 90 minutes from request to receipt. This makes them ideal for traders who value quick access to their profits.
First payout (14 days for Flash)
Subsequent payouts available
Minimum profit to withdraw
Cryptocurrency
BTC, USDT, and more
Bank Transfer
Via RiseWorks payment service
Our proprietary rating based on key performance metrics
New but solid track record so far
Flexible with no time limits
Industry-leading speed (~90 min)
24/7 with fast response times
Competitive with frequent discounts
TopOneTrader is a promising newcomer to the prop trading industry that has quickly differentiated itself through ultra-fast payouts andflexible funding options. While they lack the multi-year track record of established firms like FTMO or The5ers, their transparent US-based operations and competitive offerings make them worth considering.
No time limits but strict drawdown rules (5-8%)
Yes, TopOneTrader is a legitimate proprietary trading firm based in Sheridan, Wyoming, USA. Founded in 2023, they have paid out over $5 million to traders. While relatively new compared to firms like FTMO, they have built a solid reputation for fast payouts (average 90 minutes) and responsive customer support.
It depends on the program you choose. With Instant Funding or Instant PRIME, you get funded immediately with no evaluation. For the One-Step Challenge, you need to pass one phase (no time limit). The Two-Step Challenge requires passing two phases. There's no minimum or maximum time limit, so you can trade at your own pace.
TopOneTrader offers competitive profit splits: One-Step and Two-Step Challenges offer up to 90% profit split. Instant Funding starts at 60% and scales to 90%. Instant PRIME offers the best split at 80-100%. You can also purchase add-ons to increase your profit split to the maximum.
Yes, EAs (Expert Advisors), algorithmic trading, and trade copiers are allowed on TopOneTrader during the evaluation phases. However, there are restrictions on the funded phase. Prohibited strategies include latency arbitrage, HFT exploitation, and grid/martingale systems. Always check the current rules before using automated systems.
TopOneTrader supports four trading platforms: MetaTrader 5 (MT5), cTrader, TradeLocker, and MatchTrader. All platforms are integrated with TradingView for advanced charting. You can choose your preferred platform when purchasing an account.
TopOneTrader is known for industry-leading payout speeds, averaging just 90 minutes for processing. First payout is available after 30 days (or 14 days for One-Step Flash). Subsequent payouts can be requested weekly, bi-weekly, or monthly depending on your account type. Payment methods include crypto and bank transfer via RiseWorks.
TopOneTrader has a "3 Profitable Days Rule" - you need at least 3 profitable trading days to pass each phase. This is more lenient than many competitors. There's no strict consistency rule limiting your best day's profit percentage.
TopOneTrader offers trading on Forex pairs (major, minor, exotic), Stock Indices (US30, NAS100, SPX500, etc.), Precious Metals (Gold, Silver), and Cryptocurrencies (BTC, ETH, and more). The exact offerings may vary by account type.
If you violate the daily loss limit or maximum drawdown, your account will be breached and you'll lose the challenge. You'll need to purchase a new evaluation to try again. TopOneTrader occasionally offers discounts on reset accounts, so check their promotions.
TopOneTrader can work for beginners, especially with their no-time-limit policy and multiple program options. The One-Step Challenge at $64 (with discounts) is affordable for testing. However, the strict drawdown rules (as low as 5% on PRIME) require solid risk management. We recommend beginners start with smaller accounts and use the free trial if available.
Our expert rating
Get funded with TopOneTrader and enjoy ultra-fast payouts, up to 100% profit split, and no time limits. Choose from 4 funding programs and scale up to $5M.