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Comparison · Forex

Getting paid at Atlas Funded and Top One Trader

The fundamental difference between these two firms lies in their payout philosophy: Atlas Funded focuses on a high base profit split (90%) and a gamified reward system, while Top One Trader prioritizes platform variety and specialized accounts like "X-DAILY" for traders seeking immediate daily liquidity.

Updated on

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.

Field by field

Atlas Funded and Top One Trader, side by side

Rules, plans, platforms, leverage, commissions and payouts of both, with the option to see only what differs.

Head to head

60 differences

50%off · Exclusive
Headquarters

Ground Floor, The Sotheby Building, Rodney Village, Rodney Bay, Gros-Islet, Saint Lucia

30 North Gould Street, Ste R
City: Sheridan
State: Wyoming (WY)
Postal code: 82801

CEO

Lucas Antonio

Matt Morris

Country

Saint Lucia

United States

Foundation

2024

2023

Banned Countries
No data
Afghanistan, Albania, Algeria, Armenia, Azerbaijan, Cuba, Iran, Iraq, Kazakhstan, Kuwait, Lebanon, Libya, Macedonia, Morroco, Pakistan, Russian Federation, Somalia, Sudan, Syria, Turkey, Ukraine, Vietnam
Assets
Forex, Indices, Metals, Energies, Crypto
Forex, Indices, Commodities, Crypto
Refund
Yes

First Access order: the entry fee is credited in full as Atlas Balance, not cash back to a card. Otherwise, the challenge fee is returned as Atlas Balance on that account's third consecutive payout. Add-ons excluded. Access activation fee excluded.

No

Only for 2-Step PRO v2, where the evaluation fee is refunded with the 4th payout. Accounts purchased before February 4, 2026 keep the old refund policy.

Platforms
MetaTrader 5, TradeLocker, MatchTrader
Metatrader 5, cTrader, DXTrade, MatchTrader, Tradingview, TradeLocker
Payout Methods
Rise, USDT ERC20, Atlas Balance
Rise
Payment Methods
Credit Card, Apple Pay, Google Pay, Crypto, Atlas Balance
Card, Crypto
Payout Frequency

1-Step and 2-Step: first payout after 14 days, then every 14. 1-Step Daily and 2-Step Daily: on demand, Monday to Friday, once the cycle has 3 trading days. Access: first after 28 days, then every 14. Instant Funded and Instant Zero purchased from 17 October 2026: first after 14 days, then every 14; Weekly add-on: first after 7 days, then every 7. Earlier Instant accounts: first after 28 days, then every 14; Weekly: first after 14 days, then every 7. Weekly on Access: first after 14 days, then every 7. On-Demand (1-Step and 2-Step): first immediately, then every 14.

  • 1-Step FLASH: every 14 days (7 days with add-on)
  • 1-Step NOVA: every 14 days (7 days with add-on)
  • 2-Step PRO v2: every 14 days (weekly with add-on)
  • Instant Funding: every 14 days (On Demand with add-on)
  • Instant Prime: every 14 days
  • X-DAILY: daily payout requests from the first funded trading day.
Payout Guarantee

First payout: 24 working hours; subsequent payouts: 48. Working hours: Monday-Friday, 09:00-17:00 BST. Late payment: $500 with that payout and $500 with the next. Giveaway and collaborator accounts excluded.

No data
Crypto Weekend Trading
No
Yes

Weekend cryptocurrency trading is available on our platform, provided that positions are initiated after 8 PM EST on Friday

Maximum Withdrawal

Instant Zero: buffer of 3% of account size. The table limit applies to each of the first three payouts. 1-Step Daily and 2-Step Daily: buffer of 3%; each of the first three payouts is capped at 2% of the starting balance, before the split. Other plans: up to available profit.

$25,000 per rolling 30-day period, combined across all the trader's funded accounts.

  • 2-Step PRO v2: additionally capped at 6% of the initial balance or $15,000 per payout cycle, whichever is lower.
  • X-DAILY: per-request caps of $150 on $5K, $300 on $10K, $750 on $25K, $1,000 on $50K and $2,000 on $100K.
Minimum Withdrawal

Profit required to request: $50 on 1-Step Daily and 2-Step Daily; $100 on other programs. No additional minimum on the chosen withdrawal amount.

2%

  • X-DAILY: retain a profit buffer of 4% of the starting balance. At least 50% of each request must come from new profit earned since the previous payout.
Brokers
No data
Purple Trading
Payout Fee
No data

2%

Demo Account
No data
MatchTrader
IDspreadtest@topone.comPasswordqyta5w7sw3rg
TradeLocker
IDspreadtest@topone.comPasswordF5sa,AVFw7m]ServerTOPONE
MetaTrader 5
ID98827612PasswordqaJaT8)h9ZServerTopOneTrader-MT5 or TopOneTrader-Trader
Margin Call Level
No data

100%

Forex
100:1
  • 1-Step FLASH: 10:1
  • 1-Step NOVA: 100:1 evaluation, 30:1 funded
  • 2-Step PRO v2: 100:1 evaluation, 50:1 funded
  • Instant Funding, Instant Prime: 50:1
  • X-DAILY: 10:1
Metals

Varies by symbol and platform; check the instrument specifications.

  • 1-Step FLASH: 10:1 evaluation, 5:1 funded
  • 1-Step NOVA: 20:1 evaluation, 5:1 funded
  • 2-Step PRO v2: 20:1 evaluation, 5:1 funded
  • Instant Funding, Instant Prime: 10:1
Energies

Varies by symbol and platform; check the instrument specifications.

No data
Indices

Varies by symbol and platform; check the instrument specifications.

  • 1-Step FLASH: 10:1 evaluation, 5:1 funded
  • 1-Step NOVA: 20:1 evaluation, 5:1 funded
  • 2-Step PRO v2: 20:1 evaluation, 5:1 funded
  • Instant Funding, Instant Prime: 10:1
Crypto

Varies by symbol and platform; check the instrument specifications.

  • 1-Step FLASH: 2:1 evaluation, 0.3:1 funded
  • 1-Step NOVA: 4:1 evaluation, 1:1 funded
  • Instant Funding, Instant Prime: 1:1
Forex
No data
0
Metals
No data
0
Energies
No data
0
Indices
No data
0
Crypto
No data
0
Swap Free
No data
No
Account Reset
Yes

Fresh account in the same phase, retaining passed phases. Offer available for 7 days after a breach. Price depends on the plan and phase.

Yes
  • 1-Step NOVA: unlimited free resets during the evaluation. Funded accounts reset at a discounted fee.
  • 1-Step FLASH, 2-Step PRO v2: paid resets available on both the challenge and the funded stage.

Allows traders who breach or want a fresh start to continue without purchasing a new account.

Add-ons
Yes

Weekly, On-Demand, No Daily Loss, no minimum days and 100% split, depending on plan. Individual add-ons: +20%; bundle: +45% (+50% on 1-Step Daily and 2-Step Daily).

Yes
  • No Stop Loss (+10% on 1-Step and 2-Step, +15% on Instant Funding and Instant Prime)
  • 90% Profit Split (+20% on 1-Step FLASH and 2-Step PRO v2)
  • 100% Profit Split (+20% on 1-Step NOVA and Instant Prime)
  • Weekly payouts (+20% on 1-Step FLASH and 1-Step NOVA; available on 2-Step PRO v2)
  • Instant Payouts (+20% on 2-Step and Instant Funding)
  • Weekend Holding (15% on Instant Funding)
  • News Trading + Weekend Holding (20% on Instant Prime)
  • Bundle All Add-ons (+35% on 1-Step, 2-Step and Instant Funding)
Instant
Yes
Yes
One Step
Yes
Yes
Account scaling
Yes

Scaling for consistent performance without a new evaluation. Documentation allows exceeding the standard allocation but does not publish exact thresholds.

Yes

Every quarter, you may request an account scaling if you meet the following conditions:

  • You achieve a total profit of 25 percent.
  • You generate at least an 8 percent gain in each individual month.

Once approved, Top One Trader will increase your capital by 25 percent of your original account balance, up to a maximum of 5 million dollars.

Two Steps
Yes
Yes
Max Drawdown

1-Step, 2-Step, 1-Step Daily and 2-Step Daily: static. Instant: trailing closed balance, updated at 00:00 UTC; does not lock at starting balance. Access: trailing equity, including floating profit. After withdrawal, recalculated from the new balance, except 1-Step Daily and 2-Step Daily, where the original floor remains.

  • 1-Step FLASH: 7% trailing. Locks at the starting balance once you reach a 7% gain or after a payout.
  • 1-Step NOVA: 6% trailing on evaluation, 5% on funded. Locks at the starting balance after a payout.
  • 2-Step PRO v2: 9% static
  • Instant Funding: 6% trailing. Locks at the starting balance after a payout.
  • Instant Prime: 5% trailing. Locks at the starting balance after a payout.
  • X-DAILY: EOD trailing in evaluation and funded stages, based on the highest closing balance. Locks at the starting balance after a 5% gain or the first funded payout.
Profit Split

100% with add-on. First Atlas Protector trigger: 50% for the account's remaining life. First On-Demand payout: 50% for that payout only.

  • 1-Step FLASH: 80% (90% with add-on)
  • 1-Step NOVA: 90% (100% with add-on)
  • 2-Step PRO v2: 85% (up to 100% with add-on)
  • Instant Funding: Initial at 60%, increasing by 10% per payout, up to 90%
  • Instant Prime: 1st payout 80%, 2nd 90%, 3rd onwards 100% (100% from the first payout with add-on)
Free Trial
Yes

Website offers a free $1,000 simulated trial, one per verified person; KYC required.

No
Daily Drawdown

Resets at 00:00 UTC from equity. Standard plans subtract a fixed amount based on account size; Instant and Access subtract a percentage of equity at reset. Intraday profit does not raise the daily floor.

Measured from the higher of balance or equity at 5PM EST.

  • 1-Step FLASH: 4% (hard breach)
  • 1-Step NOVA: none
  • 2-Step PRO v2: 4% (hard breach)
  • Instant Funding: 3% (hard breach)
  • Instant Prime: 2.5% (hard breach)
Three Steps
Yes
No
Max Allocation
400,000
600,000
Maximum Accounts

Multiple accounts allowed within the total allocation limit.

No data
Maximum Trading Days

No evaluation deadline. Access: activate within 30 days after passing.

Unlimited

Minimum Trading Days

Evaluation: 3 days per phase on 1-Step, 2-Step, 1-Step Daily and 2-Step Daily; no minimum on Access. Funded per cycle: 5 on 1/2-Step and Instant; 3 on 1-Step Daily, 2-Step Daily and Access.

  • X-DAILY: no minimum trading days.
Points Reward Program

Atlas Balance for purchases, resets and add-ons; cannot be withdrawn as cash. VIP: 26 ranks across 8 tiers, from Bronze to Atlas Black. XP from purchases, payouts, funded trading, tasks and achievements. Rank-up rewards: Balance and Atlas Packs, unlocked after the first paid order. Rank-based cashback: 3%-10%; bonus for payouts taken as Atlas Balance: 10%-25%. Spending Balance or trading losses do not lower rank; reversed payouts remove their XP.

Atlas Packs: one random prize per pack, with published odds. Available through paid orders, rank-ups or Atlas Balance. Prizes include challenges, resets, add-ons, discounts, Balance, XP and packs.

Access: every account includes an Access Pack with a discount on that account's funded activation fee, up to full coverage. Pack reward and promo code cannot both reduce the funded fee.

Purchases, passed challenges and payouts earn XP in the Top One Loyalty Program. XP unlocks five levels:

  • Level 1 — Beginner: free $5K Instant account, store voucher and Discord rank.
  • Level 2 — Amateur: +2% profit share and a free $10K Instant account.
  • Level 3 — Experienced: +3% profit share, a free $25K Instant account and 5 giveaway entries.
  • Level 4 — Expert: +5% profit share, a free $50K Instant account and 10 giveaway entries.
  • Level 5 — Master: +7% profit share, +50% scaling boost, a free $100K Instant account and 15 giveaway entries.

Each level also provides lower profit targets, larger loss buffers and higher monthly payout caps. The announcement does not specify the XP thresholds or the exact rule values for each level; those are shown in the trader rewards dashboard.

Monthly Competition
Yes

Free monthly competition; simulated account prizes. Registration follows the official schedule.

No
Minimum Profitable Days

Funded: 1/2-Step: each day must close at least +0.5%; Instant: +1%; Access: +0.5%. 1-Step Daily and 2-Step Daily: day with a closed trade, no minimum daily profit. Counter resets after each payout.

  • 1-Step FLASH: 3 profitable trading days with 0.5% profit of initial balance
  • 1-Step NOVA: none
  • 2-Step PRO v2: 3 profitable trading days with 0.5% profit of initial balance
  • Instant Funding, Instant Prime: none
  • X-DAILY: none
Merge Accounts
No data
No
Expert Advisor (EA)
Yes
No
  • 1-Step NOVA: allowed on both the evaluation and the funded account.
  • 1-Step FLASH, 2-Step PRO v2: allowed during the evaluation only, using your own unique EA.
  • Instant Funding, Instant Prime: not allowed.
  • X-DAILY: allowed during evaluation, not allowed on the funded account.
VPN
Limited

Must not conceal location or identity. Give advance notice of locations inconsistent with registration.

No
Hedging
Limited

Allowed within one account. Prohibited across accounts, brokers or firms.

Yes
Requires Stop Loss
No
Yes
  • Requirement: An active Stop Loss (SL) is mandatory for every trade from the moment of execution.
  • Immediate Action: You must set your SL while opening the position; adding it later is not permitted.
  • Soft Breach: Any trade opened without a valid SL will be closed automatically by our system.

There is a No Stop Loss add-on available for purchase, which allows you to bypass this requirement.

Scalping
Limited

On funded accounts, profits from trades held under 3 minutes are deducted. Losses remain; the deduction does not close the account.

No

A minimum holding time of 5 minutes is mandatory for any trade closed in profit. This rule encompasses every closing scenario, such as manual exits, partial liquidations, and hitting pre-set Take Profit or Stop Loss levels in a profitable state.

Stacking / Layering (DCA)
No
No

Maximum of 3 positions on the same pair and direction

Martingale
No
No data
Maximum Risk Limit
Yes

Funded: a net floating loss of 2% of initial balance triggers Atlas Protector. First trigger: positions closed and split cut to 50%; second: account closed. Using 80% of margin closes positions and deducts their profits.

Yes

Maximum Lot Size per Pair: (Account Balance × Leverage) ÷ (Instrument Price × Contract Size) = Max Lot Size

Maximum Lot Size per Account (only funded accounts). 20% open lot size limit based on the account size, up to a maximum of 20 open lots:

  • $5k account = Max 1 lot
  • $10k account = Max 2 lots
  • $25k account = Max 5 lots
  • $50k account = Max 10 lots
  • $100k account = Max 20 lots
  • $200k account = Max 20 lots
  • X-DAILY: the lot limits above apply in both evaluation and funded stages for its $5K to $100K accounts.
Copy Trading
Limited

Only between your own Atlas accounts; copying other traders or external accounts is prohibited.

No

Only allowed on challenge phases

News Trading
Limited

Unrestricted during evaluation. On funded accounts, profits from trades opened or closed within 5 minutes before or after high-impact news are deducted. Entries inside the window are closed automatically; holding through the entire window is allowed.

Yes
  • 1-Step FLASH, 1-Step NOVA: allowed during the evaluation, not allowed on the funded account.
  • 2-Step PRO v2: allowed during the evaluation, not allowed on the funded account.
  • Instant Funding: not allowed.
  • Instant Prime: allowed with add-on.

When not allowed, it is prohibited to execute or close any trade within the window of 5 minutes before and 5 minutes after a high-impact news event.

  • X-DAILY: allowed during evaluation, not allowed on the funded account; the high-impact news window above applies.
Inactivity Rule

Open a trade at least every 30 days; failing closes the account. Instant Zero has no inactivity limit.

30 days

Consistency Rule
Limited

Instant Funded: best day at most 20% of cycle profit. Access funded: 40%. No consistency on Instant Zero, 1-Step, 2-Step, 1-Step Daily or 2-Step Daily.

Yes
  • 1-Step FLASH: no consistency rule. Funded accounts have a 3% maximum daily profit cap; once reached the account pauses until the next trading day and the excess is voided (not a breach).
  • 1-Step NOVA: 20% ESS required to request a payout.
  • 2-Step PRO v2: no consistency rule. Funded accounts cap profit at $3,000 per day.
  • Instant Funding: consistency score must stay at 15% or below.
  • Instant Prime: 20% ESS required to request a payout.
  • X-DAILY: evaluation only, the largest winning day must not exceed 40% of total profit. Exceeding this threshold requires further trading, not an account breach. No funded consistency rule.

ESS = [ Largest Winning Day + Largest Losing Day |Absolute value| ] ÷ Total Profit × 100

Hold Weekend
Yes
Yes
  • 1-Step FLASH, 1-Step NOVA: Allowed
  • 2-Step PRO v2: Allowed
  • Instant Funding, Instant Prime: Allowed with add-on
  • X-DAILY: without add-ons, all positions must close on Friday before the market closes.
Prohibited Strategies

Latency or tick arbitrage, exploiting prices or bugs, order flooding, hedging across accounts or firms, account sharing and passing services. Multiple locations must not hide who trades. Gambling, martingale and manipulating evaluations are prohibited.

  • High-Frequency Trading (HFT) & Tick Scalping
  • Latency Arbitrage & Data Manipulation
  • External Copy Trading & Signal Grouping
  • Cross-Account Hedging Patterns
  • High-Impact News Trading Restrictions
  • Grid Trading Strategies
  • Martingale Risk Management
  • Third-Party Account Management ("Pass Your Challenge")
  • Unauthorized Expert Advisor (EA) Masking
  • Gambling & Excessive Leverage (YOLO Trading)
  • IP Address & Proxy Violations
  • Account Churning & Evaluation Rolling
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