Detailed Comparison: Top One Trader vs FundingPips (2025)

IFZA Business Park DDP Dubai U.A.E.

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

Khaled Ayesh

Matt Morris

United Arab Emirates

United States

2022

2023

Liquidity Provider

1 and 2 Step: Full refund with first payout

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.

$10

2%

100%

• 2-Step Standard: Weekly, Bi-Weekly, Monthly or On Demand
• 2-Step Pro: Weekly or Monthly
• 1 Step Flex and 2-Step Flex: Bi-Weekly or Monthly
• FundingPips Zero: Bi-Weekly
• Prime: Daily, any number of requests
• Labs 247: Daily

• 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

Labs 247: crypto trading and weekend holding are available 24/7 in Evaluation and Master. Other models retain their existing restrictions.

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

$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.

• On Demand payout: 1%
• Tuesday, bi-weekly and montly: 1%
• Prime: 1% of Prime Account size (or Scaled Prime Account Size after scaling)
• Labs 247: 1% of the account size

2%

• 1 Step: 30:1
• 2 Step: 100:1
• Zero: 50:1
• Prime: up to 1:2000 (tiered Standard Leverage Plan)

• 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

• 1 Step: 10:1
• 2 Step: 30:1
• Zero: 20:1
• Prime: up to 1:2000 (tiered Standard Leverage Plan)
• Labs 247: 5:1

• 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

10:1

• Prime: up to 1:2000 (tiered Standard Leverage Plan)
• Labs 247: 5:1

• 1 Step: 5:1
• 2 Step, Zero: 20:1
• Prime: up to 1:2000 (tiered Standard Leverage Plan)
• Labs 247: 5:1

• 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

Labs 247: 5:1

• 1 Step: 1:1
• 2 Step, Zero: 2:1
• Prime: up to 1:2000 (tiered Standard Leverage Plan)
• Labs 247: 5:1

• 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

10% discount for failing during the evaluation phase. Valid for 7 days and only for accounts of the same model and size (FundingPips Zero excluded).

• 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.

cTrader (+20%)
Swing: overnight and weekend holding on Master accounts for 1 Step Flex, 2-Step Standard, 2-Step Pro and 2-Step Flex; selected at purchase

• 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)

Level 1 – Launchpad (Novice)

Requires 4 payouts and 10% profit. Grants +20% capital and +1% drawdown.

Level 2 – Ascender (Intermediate)

Requires 8 payouts and 20% profit. Grants +30% capital, +2% total max drawdown, and +1% daily drawdown.

Level 3 – Trailblazer (Advanced)

Requires 12 payouts and 30% profit. Grants +40% capital and 13% max drawdown.

Level 4 – Hot Seat (Elite)

Requires 16 payouts and 40% profit. Doubles initial balance, offers 100% reward split, on-demand payouts, up to $2M capital, and monthly bonuses.

Level 5 – Elite Trader Status (Advanced Hot Seat)

Unlocks advanced tools, +1% additional max drawdown (4% total cumulative), +1% additional daily drawdown (2% total), customized trading conditions, and monthly bonuses based on initial account size ($100–$500).

Prime

The first four scale-ups require +5% total profit; from the fifth onward, +10%, measured against the starting size of the current level. Required profitable days: none for the first scale-up, 2 for the second and third, 4 for the fourth, and 10 from the fifth onward. Each profitable day must close at +1% or more of the account size; the counter resets after each scale-up. Each scale-up adds +10% to the current level's starting size, up to $2M. At Level 10 or $2M: Certified FundingPips Trader status, listed on the Tradin Investor Marketplace with 20% profit share on investor capital.

Labs 247 → Prime

After 5 rewards or $20,000 in total rewards across one or all Labs 247 accounts, the trader becomes eligible for an invitation to a $50,000 Prime account. The Labs 247 accounts close when the trader moves to Prime.

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.

• 1 Step Flex, 2 Step: Static
• Zero: Trailing
• Prime: 8% static below the starting balance; recalculated only after a scale-up
• Labs 247: 4% static in Evaluation and Master

• 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.

Reward split depends on the selected reward cycle and account configuration.

• 2-Step Standard: Weekly (60%), Bi-Weekly, On Demand (90%) or Monthly (100%)
• 2-Step Pro: Weekly or Monthly (100%)
• 1 Step Flex: Bi-Weekly or Monthly (100%)
• 2-Step Flex: Bi-Weekly, with an alternative 95% split selected at purchase at the same price, or Monthly (100%)
• FundingPips Zero: fixed Bi-Weekly cycle
• Prime: 80%, Daily, any number of requests
• Labs 247: Daily

The Monthly cycle requires consistency and profitable days. Earlier purchases retain their legacy conditions.

• 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)

Higher of the opening balance or equity for the trading day

• Prime: 3% (soft breach, pauses trading for the rest of the day, account stays open, resumes at 00:00 UTC+3)
• Labs 247: 2% of the starting balance in Evaluation and Master

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)

Labs 247: maximum 5 accounts per user. These accounts are separate from the standard capital allocation.

A Master account can only be merged with another Master account from the same evaluation model.

Merging accounts is not supported in the FundingPips Zero Model.

• Prime Accounts: any Prime accounts can merge, regardless of the originating model. Request through the dashboard; the resulting account takes the higher of the two scale-up levels. Merged size respects the $2M maximum.

Labs 247: 6 months for the Evaluation phase and a separate 6-month period for the Master account.

Unlimited

New purchases and resets from 28 September 2026:

• 2-Step Standard: 3 trading days per evaluation phase; no minimum with the 3% daily-loss configuration
• 2-Step Pro: no minimum trading days
• 1 Step Flex: no minimum trading days
• 2-Step Flex: 1 trading day per phase on the standard reward configuration; the alternative configuration requires profitable days
• Labs 247: no minimum trading days
  Earlier purchases retain their legacy conditions.

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.

Participant Limit: Up to 50,000 participants. Registration closes once full.

Prizes

• 1st: 100K Evaluation + $1,500
• 2nd: 100K Evaluation + $1,200
• 3rd: 100K Evaluation + $1,000
• 4th: 100K Evaluation
• 5th: 50K Evaluation
• 6th–10th: 25K Evaluation
• 11th–20th: 10K Evaluation
• Bonus Prize: 13 random participants (ranked 4th–1000th) receive $100 each.

Rules

• Max loss: 10%
• Daily loss: 5%
• No EAs
• No exploiting unrealistic demo fills
• One account per person

Zero: Minimum of 7 days with 0.25% profit or more by the end of each 30-day period. Failure to meet this requirement will result in a rule violation.

• Monthly reward cycle (1 Step Flex, 2-Step Standard, 2-Step Pro, 2-Step Flex): 7 profitable days per cycle, each with at least 0.5% of the starting Master account size; the count resets after each reward
• 2-Step Flex alternative reward configuration: 3 profitable days per evaluation phase and per Bi-Weekly Master reward cycle, each with at least 0.5% of the starting account size

• 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

Default rule (third-party EAs): Permitted ONLY when used strictly as a trade or risk manager. Any other use of a third-party EA = denial of evaluation/reward and account closure.

Personal EA Exception
Full automation allowed only with proof of ownership of the EA code.

Account-type exceptions

• 1K Instant Account: third-party EAs and trade copiers permitted (full automation OK).
• Monthly Competition: ALL EAs prohibited (including personal with proof).

• 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.

• 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.

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.

Maximum of 3 positions on the same pair and direction

There is a limit on simultaneous open lots:

• $5K–$10K: no limit
• $25K: 10 lots
• $50K: 20 lots
• $100K or more (including merged accounts): maximum 40 lots

Penalties

• 1st violation: warning
• 2nd violation: removal of excess profits, reward reduced to 30%, and account closure

1 Step Flex, 2-Step Flex, 2-Step Pro and 2-Step Standard

Risk Per Trade Idea and the Striking System are removed in Evaluation and Master for new purchases from 28 September 2026. Earlier purchases retain their legacy conditions.

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

Permitted

• Copying trades between your own FundingPips accounts (registered under same individual).
• Using your FundingPips account as MASTER to copy to external accounts (as slave).

Prohibited

• Copying between FundingPips accounts of different users.
• Coordinated trading across master accounts not owned by same individual.
• Inbound copy trading (external source as master, FundingPips as slave).
• Third-party account management (immediate termination).

Only allowed on challenge phases

Evaluation Stage (1 Step, 2 Step Standard, 2 Step Flex, 2 Step Pro)
No restrictions on holding trades during news events. Purposely trading news = account closure.

Master Account (1 Step, 2 Step Standard, 2 Step Flex, 2 Step Pro)
Trades opened/closed within 5 minutes before/after a high-impact (red folder) news event have their FULL profit deducted, UNLESS the trade was executed 5+ hours before the event.
Speech window: 5 min before speech start to 5 min after speech end.

FundingPips Zero
HARD BREACH if any position is opened/closed/held within 10 minutes before/after a high-impact news event on affected currencies.
Speech window: 10 min before speech start to 10 min after speech end.

Labs 247
Evaluation: news trading is allowed on every instrument.
Master: profits may be deducted from trades opened or closed 5 minutes before or after high-impact news affecting the corresponding currency. For high-impact speeches, the window runs from 10 minutes before the speech begins until 10 minutes after it ends. Trades opened at least 5 hours before the event are exempt.

• 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.

30 consecutive days without completed trades results in hard breach. Applies to all account types including Master accounts.

30 days

• On Demand (2-Step Standard): no single trading day may account for more than 35% of total profit
• Monthly (1 Step Flex, 2-Step Standard, 2-Step Pro, 2-Step Flex): 35% consistency score, reset after each reward
• Bi-Weekly (FundingPips Zero): 15% consistency score; the biggest losing day cannot exceed the biggest winning day
• Bi-Weekly (1 Step Flex and 2-Step Flex): no consistency score
• Profit Concentration Policy: removed for new purchases from 28 September 2026; qualifying legacy accounts retain their existing conditions
• Labs 247: no consistency rule in Evaluation or Master

• 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.

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

1 Step Flex, 2-Step Standard, 2-Step Pro and 2-Step Flex
Evaluation: overnight and weekend holding allowed on all instruments.
Master: overnight and weekend holding require the Swing add-on selected at purchase. Without Swing, positions are automatically closed each trading day; this is not an account breach and does not count as a valid trading day.

FundingPips Zero
Weekend holding is a hard breach on Master accounts. Close all positions before Friday market close, including crypto.

Prime
Weekend holding allowed.

Labs 247
Trading and weekend holding allowed 24/7 in Evaluation and Master.

• 1-Step FLASH, 1-Step NOVA: Allowed
• 2-Step PRO v2: Allowed
• Instant Funding, Instant Prime: Allowed with add-on

• Gap trading
• High-frequency trading
• Server spamming
• Latency arbitrage
• Toxic trading flow
• Hedging
• Long-short arbitrage
• Reverse arbitrage
• Tick scalping
• Server execution
• Opposite account trading

• 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