Overall Rating
A forex and CFD prop firm offering Instant Funding accounts with flexible payout options
T&Cs Apply
Top One Trader is a simulation-based forex and CFD prop firm that offers Instant Funding alongside one-step and two-step evaluations, all with no time limits to complete. The company advertises profit splits of up to ninety percent and emphasizes rapid payouts, usually completed within twenty-four hours through Rise using bank transfer or crypto rails. Platform access spans TradeLocker, Match-Trader, cTrader, and MT5.
Strengths
- The funding options include both Instant Funding and an “Instant Prime” variation.
- There is unlimited time to pass the one-step and two-step challenges.
- News trading is permitted during the evaluation stages.
- For 1-Step and 2-Step accounts, the challenge fee is refunded on the first payout.
- Withdrawals are processed through RiseWorks.
Trade-offs
- A stop-loss is mandatory unless the trader purchases an add-on.
- Missing a stop-loss leads to a soft breach.
- Expert Advisors and copy-trading tools cannot be used on Instant Funding accounts.
- The use of Expert Advisors and copy-trading tools is restricted on other account types as well.
- Payout timing is not truly daily.
Top One Trader positions itself as a platform-rich, promotion-heavy prop firm with an emphasis on compliance clarity. Traders can choose among TradeLocker, MT5, cTrader, and Match-Trader with TradingView integration, and select from Instant Funding, Instant Prime, or evaluation-based one-step and two-step programs. Evaluations carry no time limits, and news trading is allowed. Payouts run through RiseWorks using bank or crypto channels, and fees for the 1-Step and 2-Step challenges are returned on the first payout.
Trade-offs include lower leverage ranges around ten-to-one to thirty-to-one, required stop-losses unless an add-on is purchased, and restrictions on EA and copy-trading usage. First-payout timelines are not immediate, averaging roughly thirty days for 1-Step and Instant accounts and around fourteen days for new two-step accounts. MT5 and cTrader access is blocked for U.S. traders, jurisdiction limits are broad, and checkout payment details are not thoroughly disclosed. Top One Trader is a strong match for users who value platform choice, flexible evaluation timing, transparent compliance rules, and bank/crypto payouts, but less suitable for traders who want high leverage, unrestricted EA use, or day-one payout availability.
Top One Trader Details
| Platforms | cTrader, Match-Trader, MT5, TradeLocker |
|---|---|
| Funding Program Type | Instant Funding, One-Step, Two-Step |
| Payout Frequency | 30 Days, Every 14 days (bi-weekly), On Demand |
| Activation Fee Policy | One-time challenge fee |
| Country Restrictions | Afghanistan, Albania, Algeria, Armenia, Azerbaijan, Cuba, Iran, Iraq, Kazakhstan, Kuwait, Lebanon, Libya, Macedonia, Morocco, Pakistan, Russia, Somalia, Sudan, Syria, Turkey, Ukraine, Vietnam |
| Region / Regulator | Proprietary firm operating a simulated environment, Union of the Comoros |
| Supported Languages | English, Spanish |
| Currencies | USD |
| Tradable Assets | Crypto CFDs, Forex, Indices, Metals |
| Established | 2023 |
