Top One Trader has launched PAYDAY, a new limited-time account type that introduces a stake-based payout model rather than a traditional evaluation or funded account structure. Traders can choose a stake between $25 and $500, select a payout multiplier, and receive a payout of up to 10x their stake by completing a set number of profitable trades within an eight-hour window.

What Happened

Top One Trader introduced PAYDAY as a new account type alongside its existing offerings. According to the firm, PAYDAY is not a modification of an existing plan and does not follow a traditional Phase 1, Phase 2, or Instant Funded structure. Existing Top One Trader accounts remain unchanged.

The account is currently being offered as a limited-time product and is described by the firm as an experimental offering.

How PAYDAY Works

Traders using PAYDAY:

• Choose an entry stake between $25 and $500
• Select a payout multiplier of 2x, 5x, or 10x
• Complete a required number of profitable trades within 8 hours
• Request a payout if all conditions are met
• Receive account closure after payout approval

According to Top One Trader, all PAYDAY accounts use a fixed account size of $100,000 regardless of the selected stake amount.

Account Specifications

The PAYDAY account includes:

• Account size: $100,000
• Profit target: None
• Time limit: 8 hours from the first trade
• Maximum loss limit: 2% trailing balance drawdown
• Profit split: 100%
• Inactivity period: 3 days from purchase to begin trading

The trailing balance drawdown never locks at the starting balance and does not move downward.

Multiplier Options and Payout Structure

PAYDAY offers three payout paths:

2x Multiplier

• 3 profitable trades required
• Payout equals stake × 2

5x Multiplier

• 4 profitable trades required
• Payout equals stake × 5

10x Multiplier

• 5 profitable trades required
• Payout equals stake × 10

Profitable Trade Requirements

To count toward the objective:

• Each qualifying trade must close with at least 1% net profit
• Trades below 1% profit do not count
• Only one trade may be open at a time
• Partial closes count as a single trade

According to the firm, a qualifying trade on the $100,000 account must generate at least $1,000 in net profit.

Trading Conditions

According to Top One Trader, PAYDAY permits:

• News trading
• Weekend and overnight holding if markets are open within the 8-hour window
• No minimum hold time
• No mandatory stop loss requirement

Restrictions

The following are not permitted:

• Expert Advisors (EAs)
• Bots
• Trade managers
• Automated or semi-automated trading tools
• Copy trading between PAYDAY accounts

Multiple PAYDAY accounts may be purchased and traded independently.

Payout Eligibility

Payouts can be requested once:

• The required profitable trades have been completed within the 8-hour window
• No rules have been violated
• The trailing loss limit has not been breached

Top One Trader states that:

• A linked Rise account is required for withdrawals
• KYC and contract completion are required
• Accounts close after payout approval
• Payouts average under 60 minutes after approval

Who Is Affected

The launch applies to:

• New traders purchasing PAYDAY during its limited-time availability
• Traders seeking an alternative to traditional evaluation models

Existing Top One Trader traders on other account types are unaffected.

Why This Matters

PAYDAY introduces a different structure from traditional evaluation and funded account models. Instead of progressing through evaluation phases, traders complete a predefined objective within a single eight-hour trading window.

According to Top One Trader, the product is designed around simplicity, speed, and same-day payout potential, with no activation fee, no evaluation phase, and no consistency rule. The firm also describes PAYDAY as an experimental product being tested for a limited period.

Prop Firm Match Perspective

PAYDAY introduces a distinct account structure that does not follow a traditional evaluation or funded-account progression model. Traders considering the account should carefully review the profitable-trade requirements, trailing drawdown mechanism, and eight-hour completion window before participating.

Prop Firm Match will update its Top One Trader profile to reflect the addition of the PAYDAY account and its limited-time availability.