The split
Atlas Funded offers a very aggressive starting point with a 90% profit split across almost all its programs. This can be increased to 100% if the trader purchases a specific add-on.
Top One Trader has a more fragmented structure depending on the chosen plan:
- 1-Step FLASH and X-DAILY: 80% base.
- 2-Step PRO v2: 85% base.
- 1-Step NOVA: 90% base.
- Instant Funding: Starts at 60%, scaling up to 90% over time.
- Instant Prime: Scales from 80% to 100% by the third payout.
- Like Atlas, Top One allows reaching a 100% split via paid add-ons on most accounts.
How often you can withdraw
In Atlas Funded, the standard frequency for 1-Step and 2-Step accounts is every 14 days. However, their "Daily" plans allow for on-demand payouts (Monday to Friday) once 3 trading days have been completed in the cycle.
Top One Trader also uses a 14-day cycle as a baseline, but offers significant flexibility through add-ons that enable weekly or even "On Demand" payouts. Their "X-DAILY" account is specifically designed for daily requests from the very first day of funded trading.
Minimums and methods
Atlas Funded sets a minimum profit requirement of $50 for Daily plans and $100 for all other programs. Payouts are processed via Rise, USDT (ERC20), or as Atlas Balance (internal credit).
Top One Trader requires a minimum withdrawal of 2% of the account balance. For the X-DAILY plan, traders must maintain a 4% profit buffer to request a payout. Their primary processing method is Rise.
What delays a payout
Several risk and consistency rules can postpone or reduce your first check:
- Consistency Rules: Atlas is more relaxed here, only applying consistency to Instant and Access accounts. Top One Trader is stricter, using an ESS (Equity Stability Score) of 20% on NOVA and Prime plans, and a 40% "best day" rule on X-DAILY evaluations.
- Holding Times: Atlas deducts profits from trades held for less than 3 minutes on funded accounts. Top One Trader requires a minimum of 5 minutes for any profitable trade; closing earlier results in the profit being voided.
- News Trading: Both firms restrict news trading on funded accounts (5-minute window) unless an add-on is purchased.
- Minimum Days: Atlas requires 3 to 5 trading days per cycle depending on the plan. Top One requires 3 profitable days (at least 0.5% gain) on Flash and Pro plans, while X-DAILY has no minimum day requirement.
What it takes to get there
To reach the funded stage, you must consider the initial investment and the technical environment:
- Investment: For a $100,000 1-Step challenge, Atlas Funded charges $478. Top One Trader’s "Flash" 1-Step costs $575, while their "Nova" (activation-based) costs $7 for the evaluation plus a $550 fee upon passing.
- Drawdown: Atlas uses static drawdown for standard evaluations (7% on 1-Step, 10% on 2-Step). Top One varies from 5% to 9% depending on the plan, mostly using trailing drawdown that locks at the starting balance.
- Platforms: Atlas offers MetaTrader 5, TradeLocker, and MatchTrader. Top One Trader provides a much wider range, including cTrader, TradingView (via integrations), DXTrade, and MetaTrader 5.
- Refunds: Atlas does not return the fee in cash; it is credited as "Atlas Balance" for future purchases. Top One only offers a cash refund on the 2-Step PRO v2 plan with the 4th payout.
Which pays out more comfortably
Atlas Funded is the more comfortable choice for the "high-split hunter" who wants a simple 90% from the start without complex consistency math, provided they are okay with MetaTrader or TradeLocker.
Top One Trader is better for the "liquidity seeker" who needs daily payouts (X-DAILY) or for professional traders who refuse to trade without cTrader or TradingView. However, the path there involves navigating more "soft breach" rules and stricter consistency metrics.
Frequently asked questions
Which firm is cheaper for a $100,000 1-Step challenge, Atlas Funded or Top One Trader?
Atlas Funded is cheaper for a standard $100k 1-Step evaluation, costing $478. Top One Trader's comparable "1-Step FLASH" challenge is priced at $575.
Does Atlas Funded or Top One Trader offer a better profit split for new traders?
Atlas Funded offers a better starting split of 90% across almost all plans. Top One Trader starts lower on most accounts, such as 80% for Flash/X-Daily or 85% for Pro accounts, though both allow reaching 100% with paid add-ons.
Which firm allows for faster payouts, Atlas Funded or Top One Trader?
Both offer daily options, but Top One Trader's "X-DAILY" plan is more flexible, allowing daily requests from the first day of funded trading. Atlas Funded offers daily payouts only on its specific "Daily" plans after 3 trading days.
Between Atlas Funded and Top One Trader, which provides more trading platforms?
Top One Trader provides a significantly larger selection with 6 platforms: MetaTrader 5, cTrader, DXTrade, MatchTrader, TradingView, and TradeLocker. Atlas Funded is more limited, offering only MetaTrader 5, TradeLocker, and MatchTrader.





















