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Comparison · Forex

Getting paid at Funded Elite and Top One Trader

The fundamental difference between these two firms lies in the speed and customization of the reward: Funded Elite allows you to choose your payout frequency at checkout (as fast as every 3 days), whereas Top One Trader focuses on a scaling path that can lead to a 100% profit split but imposes more technical constraints on daily performance.

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The split

Funded Elite offers a flexible profit split that can be selected at checkout for its 1-Step and 2-Step challenges, ranging from 60% to 95%. Its specialized "Catalyst" account features a built-in ladder that starts at 80% and automatically reaches 95% as you double your account size.

Top One Trader generally offers higher base splits on its evaluations. The 1-Step Nova starts at 90% and can reach 100% with a paid add-on. The "Instant Prime" program also provides a path to 100% split by the third payout, making it one of the few firms where the trader can eventually keep the entire profit.

How often you can withdraw

Funded Elite stands out for its "payout on demand" style selection. During the purchase, you can choose cycles of 3, 7, 14, or 21 days. The "Catalyst" program allows for payouts every 14 days at the first stage and every 7 days from the $50,000 stage onwards.

Top One Trader is more traditional, with a standard payout frequency of every 14 days. However, you can purchase an add-on to reduce this to 7 days (weekly) or even "On Demand" for specific Instant Funding accounts.

Minimums and methods

Funded Elite offers two main channels:

  • Crypto: $30 minimum. Fees range from $3 (TRC20) to $7 (ERC20/BTC).
  • Rise: $500 minimum with a $35 fee.
  • Withdrawal Caps: Crypto is limited to $500 per request.

Top One Trader uses Rise as its primary method. They charge a 2% processing fee on all withdrawals. There is a maximum withdrawal limit of $25,000 per rolling 30-day period across all accounts, and the 2-Step PRO v2 is further capped at 6% of the initial balance per cycle.

What delays a payout

Several rules can delay or void your profit before you reach the withdrawal button:

  • Funded Elite: You must complete 3 to 5 "profitable days." In the Catalyst program, these days must meet a specific PnL threshold (e.g., $250 for a $50k account). There is a 30% consistency rule on Activation and Instant accounts. Additionally, you cannot risk more than 50% of your daily loss limit on a single instrument.
  • Top One Trader: They use the ESS (Entry Size Score) consistency rule, requiring a score of 20% or lower (15% for Instant Funding). They also apply daily profit caps (3% on Flash or $3,000 on Pro v2); any profit exceeding these amounts is voided for that day. Their "EquityShield" acts as a soft breach, automatically closing positions if floating drawdown hits 2.5%.

What it takes to get there

To reach the funded stage, you must consider the entry cost and technical environment:

  • Price: For a $50,000 1-Step challenge, Funded Elite charges $329, while Top One Trader's Flash version costs $286. However, Top One Trader's "Nova" 1-Step uses a low entry fee ($7) followed by a larger activation fee ($275) after passing.
  • Platforms: Funded Elite is limited to MetaTrader 5 and TradeLocker. Top One Trader offers a wider range: MT5, cTrader, DXTrade, MatchTrader, and TradingView.
  • Trading Styles: Funded Elite is strictly for manual traders; EAs are prohibited. Scalping is allowed but requires trades to last over 3 minutes (unless you buy the 30-second add-on). Top One Trader allows EAs on evaluation phases and has a mandatory 5-minute holding time for profitable trades.

Which pays out more comfortably

Funded Elite is the better choice for aggressive manual traders who want to see their money quickly, as the 3-day payout option is hard to beat for liquidity. However, Top One Trader is the superior option for platform-heavy traders or EA users who are willing to navigate consistency rules in exchange for a potential 100% profit split and the ability to trade via TradingView or cTrader.

Frequently asked questions

Which firm is cheaper to start a $100,000 challenge, Funded Elite or Top One Trader?

Top One Trader is significantly cheaper for the initial entry if you choose the "Nova" 1-Step, which costs only $7 to start, though you must pay a $550 activation fee once you pass. In contrast, Funded Elite's standard $100k 1-Step requires an upfront payment of $569, which includes the right to trade the evaluation without further activation costs.

Can I use Expert Advisors (EAs) on both Funded Elite and Top One Trader?

No. Funded Elite strictly prohibits automated trading and only allows manual trading tools. Top One Trader is much more flexible, allowing the use of your own unique EAs during the evaluation phases of their Flash and Pro programs, and even on funded accounts for the Nova 1-Step plan.

Who offers faster payouts for a new trader, Funded Elite or Top One Trader?

Funded Elite offers faster access to capital, as you can select a 3-day payout cycle at checkout. Top One Trader typically requires waiting 14 days for the first withdrawal, and while you can buy an add-on to reduce this to 7 days, it still does not match the 3-day liquidity option provided by Funded Elite.

Which firm has more restrictive consistency rules, Funded Elite or Top One Trader?

Top One Trader has more technical consistency rules, specifically the ESS (Entry Size Score) which must stay below 20%, and daily profit caps that void excess gains. Funded Elite uses a simpler "profitable days" requirement (3 to 5 days) and a 30% consistency rule only on specific account types like Activation or Instant, making its funded phase slightly less complex for the average trader.

Field by field

Funded Elite 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

50 differences

Headquarters

Corso G. Matteotti 61, Latina, 04100, Italy

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

CEO

Christian Habibi

Matt Morris

Country

Italy

United States

Foundation

2023

2023

Banned Countries
United States, Canada, Iran, Iraq, Cuba, North Korea, Israel, Syria, Palestine
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, Commodities, Stocks, Crypto
Forex, Indices, Commodities, Crypto
Brokers
Funded Elite
Purple Trading
Refund
Yes
  • Without Second Chance: If you complete our challenges successfully on your first attempt, your original fee will be reimbursed with your third payout.
  • With Second Chance: If you activated the "Second Chance" option and received a complimentary retry, the initial fee becomes non-refundable.
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.

Payout Fee
  • Rise: $35
  • ERC20 and BTC: Around $7
  • TRC20: Around $3

2%

Platforms
Metatrader 5, TradeLocker
Metatrader 5, cTrader, DXTrade, MatchTrader, Tradingview, TradeLocker
Demo Account
MetaTrader 5
ID55188PasswordFundedelite1!Server Fundedelite-Server
MatchTrader
IDspreadtest@topone.comPasswordqyta5w7sw3rg
TradeLocker
IDspreadtest@topone.comPasswordF5sa,AVFw7m]ServerTOPONE
MetaTrader 5
ID98827612PasswordqaJaT8)h9ZServerTopOneTrader-MT5 or TopOneTrader-Trader
Payout Methods
Crypto, Rise
Rise
Payment Methods
Card, Crypto
Card, Crypto
Margin Call Level
No data

100%

Payout Frequency

Can be choose at checkout: 3, 7, 14, 21 days

  • 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.
Crypto Weekend Trading
No data
Yes

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

Maximum Withdrawal
  • Crypto: $500
  • Giveaway and free accounts: 2% of the initial balance

$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
  • Crypto: $30
  • Rise: $500

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.
Forex

30:1 (50:1 and 100:1 available as an add-on at the checkout)

  • 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
10:1
  • 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
10:1
No data
Indices
10:1
  • 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
2:1
  • 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
3 / lot
0
Metals
0 / lot
0
Energies
3 / lot
0
Indices
0
0
Crypto
0
0
Swap Free
No
No
Account Reset

Traders can independently restart their live account directly from the dashboard.

  • The initial reset carries a fee equal to 20% of the original challenge price (no discounts applied and including any selected add-ons), with a minimum charge of $10 USD.
  • The fee for the second reset will be double the cost of the first reset.
  • The third and final reset will cost twice the fee of the second reset.
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
  • Forex Leverage: 30:1, 50:1, 100:1
  • Allow Scalping
  • Weekend trading (open or close positions)
  • Profit Split: 60%, 70%, 80%, 95%
  • Days between payout: 3, 7, 14, 21
  • Profit target: 6-12
  • Max Drawdown: 6-10
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
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: Static
  • Instant: Trailing
  • Activation: Static during challenge and trailing on funded account
  • Catalyst: Trailing equity. 6% at $25K, 5% from $50K up
  • 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
  • 1 Step, 2 Step: 60%, 70%, 80%, 95% (can be selected at the checkout)
  • Instant: 70%, 95%
  • Activation: 80%
  • Catalyst: 80% at $25K, 85% at $50K, 90% at $100K, 95% from $200K and up
  • 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
No
No
Daily Drawdown

Highest balance or equity recorded at the end of the day (EOD high-watermark).

  • Catalyst: 3% of the higher of yesterday's closing balance or equity

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
No
No
Max Allocation
  • Vietnam, Pakistan: 100,000
  • Rest of the world: 300,000
600,000
Merge Accounts
Yes
No
Maximum Trading Days

Unlimited

Unlimited

Minimum Trading Days
  • 1 Step, 2 Step: 3 days on funded account
  • X-DAILY: no minimum trading days.
Points Reward Program

Elite Packs: each pack contains three reward cards. Depending on the card obtained, rewards can remove consistency requirements, increase profit split or drawdown allowance, enable weekend trading or scalping, change payout frequency, reduce or skip trading days, skip a 2-Step evaluation phase, or provide account and reset discounts. One card rewards three $400K Instant Elite accounts. Benefits depend on the card obtained and its redemption conditions.

Packs and credit cost

  • Ignition: 3,000 credits
  • Breakout: 6,000 credits
  • Market Maker: 10,000 credits
  • Whale: 12,500 credits; every card is Uncommon or better
  • Oracle: 15,000 credits; every card is Rare or better

Higher-tier packs offer better odds of higher-rarity cards. Cards are drawn separately; the displayed odds are per card.

Credits

Credits can be purchased by card or crypto, or obtained by converting Payout Credits. Crypto purchases receive a 5% discount.

  • $10: 1,150 credits
  • $25: 3,105 credits, including an 8% bonus
  • $50: 6,440 credits, including a 12% bonus
  • $100: 13,340 credits, including a 16% bonus
  • $250: 34,500 credits, including a 20% bonus

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
No
Minimum Profitable Days
  • 1 Step, 2 Step: 3 days of at least 0.5% profit on challenge phase
  • Instant: 3 days of at least 1% profit on funded phase
  • Activation: 3 days of at least 0.5% profit on both challenge and funded phase
  • Catalyst: 5 days with a minimum PnL per stage ($150 / $250 / $350 / $450 / $650 / $850 / $1,000 for $25K → $1M)
  • 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
Expert Advisor (EA)
No

Only manual trading tools are allowed, not automated trading

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
Yes

Must inform Funded Elite in advance

No
Hedging
No
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
Yes

Trades must last longer than 30 seconds if the scalping add-on was purchased, and more than3 minutes if it wasn't

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)
Yes
No

Maximum of 3 positions on the same pair and direction

Martingale
Yes
No data
Maximum Risk Limit
Yes

Funded Phase: Risking more than 50% of your daily loss limit on a single instrument during the same day is strictly prohibited.

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
Yes
No

Only allowed on challenge phases

News Trading
Yes
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

29 days

30 days

Consistency Rule
Yes
  • Instant: yes
  • Catalyst: yes
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
  • IP sharing
  • HFT
  • Hedging
  • Account Rolling
  • Account Sharing/any passing service
  • Latency Arbitrage
  • Server Spamming
  • 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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