Top One Trader; 4.6; United States; Prop Firm Details

Instant Funding Program:

• 15% consistency score, no single trading day's profit can exceed 15% of total profits during payout. $5k - $100k Accounts purchased before September 24, 2025, will maintain a 20% consistency score.

Instant Prime & 1-Step Nova(Funded Only)

• Equity Stability Score At the time of payout request, your ESS must be 20% or lower. If your ESS score is not 20% yet, you will continue trading until you get the score to 20% or lower.

• Formula: (Largest Winning Day + Largest Losing Day [absolute]) ÷ Total Profit × 100%.

• See Details: https://help.toponetrader.com/en/articles/12276972-understanding-the-20-equity-stability-score-ess-instant-prime-accounts

GENERAL RULES

News Trading Rule

• Evaluation: Allowed
• Funded/Instant Funding: Prohobited to execute(pending orders including; market orders, stop loss or take profit orders) or close any trade within 5 minutes before and after high impact news event on affected instruments . Violation results to profit deduction except the trade was open 5 hours prior to the news event and automatically closed within the 10 min window.
• All major U.S. high-impact news events (marked as 'Red Folder') affect all trading instruments
• Repeated violations may result in stricter action, including account termination.
• Instant Prime allows news trading with an add-on.

Expert Advisors (EAs)

• EAs are allowed only on the challenge phase of assessment base accounts, not on funded accounts.
• Traders must customize EA settings to match their own style, cannot hide EA usage, and cannot use commercially available automated EAs.

External API Usage Rule:

• Prohibited on all Simulated Funded Accounts.
• All third-party tools, applications, or services requiring API access (including read-only) are disabled such as analytics platforms, journaling tools, automation software, and trade copiers.
• The policy applies universally with no exceptions to ensure fairness and long-term sustainability for the firm and traders.

Copy Trading

• Manual copy trading is allowed between your own TOT accounts and other personally owned prop firm or broker accounts, on both evaluation and funded stages. However, copy trading between TOT accounts is only permitted on evaluation accounts — not on funded or instant funded accounts. Copying between different users is strictly prohibited. If you hold multiple funded accounts, identical trades must be placed at least 30 minutes apart to avoid being flagged. Violations trigger an account review, and if confirmed, the account may be reset or closed depending on the severity.
• See details: https://help.toponetrader.com/en/articles/8487707-is-copy-trading-allowed-at-top-one-trader

Weekend Trading/Holding:

• Allowed on all assessment based accounts on both evaluation and funded | For Instant Funding & Instant prime, Not Allowed except with the add-on
• Crypto trading is allowed over the weekend, but only if the trades are opened after Friday 8 PM EST.

Inactivity Rule

• There's a 30-day inactivity rule. You must place at least one trade every 30 days (counting from account purchase date, not from first trade date) to avoid an account breach due to inactivity.

Stop Loss Rule

• You must have an active Stop Loss in place at all times when entering a trade.
• Removed with add-on

Soft Breach Limits

• 1-Step Nova & 1-Step Flash — Unlimited

• 2-Step Pro — 8

• Instant Prime — 5

• Instant Funding — 10

• Exceeding these limits results in a hard breach.

Soft Breach Violations

• Violating the 10 minutes news restriction window
• Weekend Holding for restricted accounts
• Opening a trade without a stop-loss unless an Add - on is purchased
• Allowing more than a 2% loss per symbol on open trades or a 2.5% loss on all open trades. Should this happen, Equity Shield will protect your account by automatically closing trades in most cases
• Funded Accounts have a 20% open lot size limit based on the account size, therefore if the total lots placed exceed the max lots, all open trades will be closed. see lot size restrictions details: https://help.toponetrader.com/en/articles/8318242-are-there-any-lot-size-restrictions

Minimum Hold Time Rule for Trades

• All profitable trades must be held for at least 5 minutes before being closed. Closing a profitable trade in less than 5 minutes whether manually, by take profit, or by a stop loss (if set in profit), violates the rule.

• Consequences:

  • During Challenge Phases: Violations are reviewed by the Risk Team. Depending on severity, traders may be required to retake the challenge or receive a formal warning.
  • On Funded Accounts: Profits from non-compliant trades are deducted, and traders receive a warning. Repeated violations can result in account termination.

Prohibited Trading Practices

• High Frequency Trading (HFT), Tick Scalping, Latency Trading, Latency Arbitrage, Arbitrage Trading, Copy Trading (between accounts not owned by the same person), Group Trading, Hedging or Group Hedging Across Multiple Accounts, News Trading on Funded Accounts, Grid Trading, Martingale Strategy, 3rd Party Trading or ""Pass Your Challenge"" Programs, Masking of Expert Advisors (EAs), Gambling, Over-Leveraging, YOLO Trading, IP Address Sharing or Multiple IP Use Across Accounts, Rolling/Churning of Accounts.
• See Details: https://help.toponetrader.com/en/articles/9047696-what-are-the-restricted-prohibited-trading-strategies-at-top-one-trader

EquityShield

• Automatic Risk Management Tool: https://help.toponetrader.com/en/articles/9181278-what-is-the-equityshield

IP / VPN / VPS Policy

• Violations Include:

  • Using multiple IPs for one account.
  • Trading multiple accounts from the same/similar IPs.
  • Copying or hedging trades across different accounts or firms.

• VPS Usage: Allowed — must have a static IP and be used responsibly. Notify support if changing or traveling.

• VPN Usage: Strictly prohibited — using a VPN can trigger security flags and lead to account breaches or suspension.

• cTrader (No longer offered) Restriction: U.S. IP logins are automatically hard breached with no refunds.

• Penalties: Any violations may result in account breach, profit forfeiture, blacklisting, and potential legal action.

• See Details: https://help.toponetrader.com/en/articles/8733438-are-there-ip-address-restrictions

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INSTANT FUNDING & INSTANT PRIME

Minimum Trading days:

• No minimum trading days.

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NOVA

• The NOVA Account is a 1-step evaluation with a $7 entry fee and a pay-after-you-pass model. Once passed, traders pay a one-time activation fee to unlock their funded account, with a 30-day window to complete activation.

Minimum Trading Days:

• None

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1 STEP FLASH

Minimum Trading Days

• Evaluation & Funded: At least 3 profitable days with at least 0.5% net profit of the initial account balance each day.

Daily Profit Cap(Funded Only)

• The maximum daily profit is 3% of the funded starting balance -
• This is neither a soft breach nor a hard breach

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2 - STEP PRO

Minimum Trading Days

• Evaluation & Funded: At least 3 profitable days with at least 0.5% net profit of the initial account balance each day.

Daily Profit Cap

• (Funded Only): $3,000

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Flash, Nova, & Pro Max Open Risk Rule (Equity Shield)

• Max Risk per Symbol: If the floating loss on a single symbol reaches 2% (New accounts – from Mar. 27, 2026 | 1% for existing accounts - before Mar. 27, 2026) of starting balance, all open trades on that symbol will, in most cases, be automatically closed. Applies to one symbol, even if multiple positions are open.

• Max Combined Risk: If combined floating drawdown reaches 2.5% (New accounts – from Mar. 27, 2026 | 1.1% for existing accounts - before Mar. 27, 2026) of starting balance, all open trades across all symbols will, in most cases, be automatically closed. Applies to total floating loss across all symbols.

• These actions are classified as a soft breach

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PAYDAY Account

The PAYDAY Account is a short-term, objective-based trading account where traders complete a set number of profitable trades within 8 hours to earn a payout. There is no traditional Phase 1, Phase 2, or Instant Funded structure.

Access PAYDAY accounts: here

How It Works

• Choose an entry stake between $25 and $500 (in $25 increments)
• Select a multiplier (2x, 5x, or 10x) which sets your payout and required profitable trades
• Complete the required profitable trades within 8 hours without breaching the trailing equity loss limit
• Request your payout, after which the account is closed

Account Specifications

• Account Size: $100,000 (fixed, regardless of stake)
• Profit Target: None (objective-based instead)
• Timeframe: 8 hours (timer starts from first trade)
• Max Loss Limit: 1.5% trailing equity - never locks at the starting balance or moves back down
• Leverage: Forex 1:20 | Indices & Metals 1:10 | Crypto 1:2
• Profit Split: 100%
• Inactivity Period: 3 days from purchase to begin trading the account.

Multiplier Options and Payout

• 2x — 3 profitable trades | Payout: Stake x 2
• 5x — 4 profitable trades | Payout: Stake x 5
• 10x — 6 profitable trades | Payout: Stake x 10

Profitable Trade Requirement

• Each qualifying trade must close with at least 1% net profit ($1,000)
• Trades below 1% do not count toward the objective
• Only one trade open at a time — partial closes still count as one trade

Trading Conditions

• News Trading: Allowed (including high-impact events)
• Weekend & Overnight Holding: Allowed if the market is available within the 8-hour window
• Minimum Hold Time: None — profits can be secured instantly
• Stop Loss: Not required

Restrictions

• EAs, bots, trade managers, and automated/semi-automated tools are not allowed — manual trading only
• Copy trading between PAYDAY accounts is prohibited (including manual copying), though multiple accounts can be purchased and traded independently

Payout Eligibility

• A payout can be requested once the required profitable trades are completed within 8 hours, no rule is broken, and the trailing max loss limit is not breached. A linked Rise account and completed KYC/contract are required to withdraw. After payout approval, the account closes and a new one can be purchased.

• Payout Frequency Limit: Maximum of one payout per day per trader

1-Step Flash Challenge

• Profit Split: 80% | 90% with add-on
• Payout Frequency: Bi-weekly | weekly with add-on after 1st payout

Nova

• Profit Split: 90%
• Payout Frequency: Bi-weekly

2-Step Pro

• Profit Split: 85% | 100% with add-on
• Payout Frequency: Bi-weekly | weekly with add-on
• Payout Cap Per Cycle: 6% of the initial account balance or $10,000 which ever is lower

Instant Funding Accounts

• Profit Split: 1st payout at 60% | 2nd payout at 70% | 3rd payout at 80% | 4th & subsequent payout at 90%
• Payout Frequency: Monthly | On-demand with add-on (payout requirements still apply)

Instant Prime

• Profit Split: 1st payout at 80% | 2nd payout at 90% | 3rd & Subsequent Payouts at 100% | 100% from 1st payout with Add-on
• Payout Frequency: Bi-weekly

Minimum Payout

• Instant, Instant Prime, Flash & Nova: 2% of the initial account balance
• Pro: 3% of the initial account balance

Withdrawal Limit Policy

• Traders may retain a maximum of $25,000 in net profits and total withdrawals across all their trading accounts within any 30-day period
• Any profits exceeding this $25,000 limit will be deducted from the trader's balance(s)

Instant, Instant Prime, Nova & 1-Step Flash Drawdown Lock

• When you make X% max drawdown in profit or request a payout, your maximum trailing drawdown will lock in at the starting balance and no longer trails

Scaling Plan

• Top One Trader rewards consistent traders by increasing account capital by 25% every 3 months after achieving a total gain of 25% (with at least 8% profit each month)
• Profits can be withdrawn freely, and scaling continues up to a maximum of $5 million
• See Details: https://help.toponetrader.com/en/articles/8491578-how-does-the-scaling-plan-work