Top Tier Trader – Firm Review
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TX3 Funding Overview
TX3 Funding, rebranded from Top Tier Trader, is a proprietary trading firm that funds traders after passing an evaluation challenge. The firm offers both Forex and Futures products, with the Forex side providing three evaluation types — 1 Phase, 2 Phase Flex, and 2 Phase Pro — as well as Instant Standard and Instant Pro accounts for traders who prefer to skip evaluation entirely. With over $29 million paid out and 8,000+ funded traders, TX3 Funding has built a reputation for transparent rules and consistent payouts.
| Feature | Details |
|---|---|
| Founded | 2021 |
| Previously Known As | Top Tier Trader |
| Headquarters | Miami, Florida, USA |
| Products | TX3 Forex, TX3 Futures |
| Challenge Types | 1 Phase, 2 Phase Flex, 2 Phase Pro, Instant |
| Account Sizes | $5,000 – $300,000 |
| Max Funding | Up to $2,000,000 (scaling) |
| Profit Split | 80–90% (up to 95% on Instant) |
| Platform | MatchTrader (MT5 compatible) |
| Instruments | Forex, Indices, Metals, Commodities, Crypto, Futures |
| Payout Method | Wise (15+ payment options) |
| Total Paid Out | $29,000,000+ |
| Funded Traders | 8,000+ |
Company Information
- TX3 Funding LLC was founded in October 2021 in Miami, Florida, USA, originally operating under the name Top Tier Trader before fully rebranding to TX3 Funding.
- The firm was founded by Jamal Hollingsworth with a focus on funding skilled traders without requiring them to risk personal capital.
- TX3 Funding operates two product lines: TX3 Forex (currency pairs, indices, metals, commodities, crypto) and TX3 Futures (futures contracts).
- As of 2026, the firm has paid out over $29 million to funded traders and has more than 8,000 active funded traders on its platform.
- The firm maintains a 24/5 support team and an active Discord trading community for members.
- TX3 Funding states publicly that it never unfairly denies payouts and commits to a transparent, rules-first approach to trader funding.
Key Features at a Glance
Flexible Evaluation Options
- Three distinct Forex evaluation programs: 1 Phase (single-step), 2 Phase Flex (relaxed structure), and 2 Phase Pro (performance-focused)
- Instant Standard and Instant Pro accounts available — skip evaluation entirely and start trading funded capital immediately
- TX3 Futures product available separately for futures contract traders
Trader-Friendly Rules
- No time limits on any evaluation phase — trade at your own pace
- Minimum of only 3 trading days required per phase
- Weekend holding permitted on Flex and 1 Phase by default
- Customisable add-ons: higher profit share, double leverage, news trading, hybrid targets
Payouts & Capital Growth
- Profit split from 80% up to 95% depending on challenge type and add-ons
- All payouts processed through Wise — supports 15+ payment options including bank transfer, crypto, and digital wallets
- Scaling program allows traders to grow total capital to $2,000,000 across multiple accounts
Evaluation Programs
TX3 Funding Forex offers five program types. Three are evaluation-based and two are instant funded. Each is designed for a different trading style and risk profile.
1 Phase Challenge
The fastest route to funding — one evaluation phase, then a funded account. Traders must reach a 10% profit target while keeping daily drawdown under 3% and overall trailing drawdown under 6%. Account sizes range from $5,000 to $200,000. Profit split starts at 85%, upgradeable to 90% with the Higher Profit Share add-on. First payout is available 3 days after the first trade.
2 Phase Flex Challenge
A two-phase evaluation built for traders who want flexibility and no pressure. Phase 1 requires a 10% profit target; Phase 2 requires 5%. The Flex Challenge applies a 2% daily profit cap and uses a soft daily drawdown breach system measured at 5 PM server time. Weekend holding is permitted by default. Profit split is 80% on funded accounts, with the first payout 10 days after your first trade. Account sizes from $5,000 to $300,000.
2 Phase Pro Challenge
A performance-focused two-phase evaluation with on-demand payouts once funded. Phase 1 targets 10% (reducible to 8% with the Hybrid add-on); Phase 2 targets 5%. A consistency rule applies on funded accounts — no single day may account for more than 40% of total profits. Profit split is 80% base, rising to 90% with the Higher Profit Share add-on. Failed Tier 1 challenges can be reset within 24 hours. Account sizes from $5,000 to $300,000.
Instant Standard & Instant Pro
For traders who want immediate funded access without an evaluation. The first $10,000 in profits is 100% yours; after that a 90/10 split applies. Payouts are processed within 24 hours of a request.
Account Sizes & Pricing
TX3 Funding offers different account size ranges depending on the challenge type. Prices shown below are base prices without add-ons. Adding options such as the 90% profit share, double leverage, or news trading will increase the total cost. New traders can use the code TX3NEW for 35% off their first challenge.
| Account Size | 1 Phase (base) | 2 Phase Flex (base) | 2 Phase Pro (base) |
|---|---|---|---|
| $5,000 | ~$83 | ~$69 | ~$69 |
| $10,000 | ~$139 | ~$111 | ~$111 |
| $25,000 | ~$265 | ~$209 | ~$209 |
| $50,000 | ~$405 | ~$349 | ~$349 |
| $100,000 | ~$671 | ~$399 | ~$399 |
| $200,000 | ~$1,329 | ~$1,049 | ~$1,049 |
| $300,000 | Not available | ~$1,679 | ~$1,679 |
Prices are approximate and subject to change. Instant Standard and Instant Pro accounts are also available. Maximum total funding cap: $400,000 (1 Phase) or $600,000 (Flex/Pro) — account merging is not permitted.
Trading Platform & Technology
TX3 Funding uses MatchTrader as its primary trading platform, with full MT5 (MetaTrader 5) compatibility available. MatchTrader is a modern, browser-based trading environment that requires no software installation — traders can access their accounts from any device with a web browser.
The platform provides advanced charting tools, one-click order execution, real-time performance analytics, and a dedicated trader dashboard showing challenge progress, drawdown levels, profit tracking, and payout history. TX3 Funding describes its execution speed as “lightning fast” to minimise slippage during volatile market conditions.
Financial Markets
TX3 Funding Forex supports trading across multiple asset classes from a single funded account. The following markets are available:
- Forex: Major, minor, and exotic currency pairs including EUR/USD, GBP/USD, USD/JPY, AUD/USD, and many more
- Indices: Global equity indices including US30 (Dow Jones), SPX500, NAS100, GER40, UK100
- Metals: Gold (XAUUSD), Silver (XAGUSD), and other precious metals
- Commodities: Energy products including crude oil (WTI and Brent) and other commodities
- Cryptocurrencies: Bitcoin (BTC), Ethereum (ETH), and other major digital currencies
- Futures: Available as a separate product through TX3 Funding Futures
Challenge Specifications
The table below shows the core rules for each TX3 Funding Forex evaluation program. All figures refer to default settings without add-ons unless stated.
| Parameter | 1 Phase | 2 Phase Flex | 2 Phase Pro |
|---|---|---|---|
| Evaluation Phases | 1 phase + funded | 2 phases + funded | 2 phases + funded |
| Phase 1 Profit Target | 10% | 10% | 10% (8% with Hybrid add-on) |
| Phase 2 Profit Target | — | 5% | 5% |
| Daily Loss Limit | 3% of balance/equity | 5% soft breach at 5 PM | 5% of balance/equity |
| Max Overall Drawdown | 6% trailing (locks at 6% gain) | 10% | 10% (8% with add-on) |
| Daily Profit Cap | None | 2% per day | None |
| Min. Trading Days | 3 days | 3 days | 3 days per phase |
| Time Limit | None | None | None |
| Leverage | 1:30 (1:60 with add-on) | 1:50 (1:100 with add-on) | 1:50 (1:100 with add-on) |
| News Trading | Add-on required | Add-on required | Add-on required |
| Weekend Holding | Permitted | Permitted | Add-on required |
| EAs / Automation | Permitted | Permitted | Permitted |
| Profit Split | 85% (90% add-on) | 80% | 80% (90% add-on) |
| Consistency Rule | 50% max from top day (funded) | Not applicable | 40% max from top day (funded) |
| Max Funding Cap | $400,000 | $600,000 | $600,000 |
| Account Reset | Not available | Not available | Available within 24h (Tier 1) |
Payout Methods
All TX3 Funding payouts are processed through Wise, which supports over 15 different payment options. Withdrawals are initiated directly from the TX3 Funding trader dashboard — there is no separate payout platform to log into. Payout timing depends on the challenge type:
- 1 Phase funded accounts: First payout available 3 days after the first trade, with a minimum profit of $100. Subsequent payouts every 3 days.
- 2 Phase Flex funded accounts: First payout available 10 days after the first trade, minimum 2% profit. Subsequent payouts every 7 days.
- 2 Phase Pro funded accounts: On-demand payouts once 2% profit is reached. Payout cap of 10% of initial account balance per cycle.
- Instant Standard / Instant Pro: Payouts processed within 24 hours. First $10,000 in profits is 100% yours, then a 90/10 split applies.
- Payment options via Wise: Bank transfer, cryptocurrency, Wise balance, and 10+ additional digital and local payment methods depending on your country.
Prohibited Activities & Trading Rules
TX3 Funding enforces a clear set of trading rules to ensure fair and sustainable market simulation. The firm states it applies no hidden rules and commits to transparent enforcement. The following activities are prohibited across all accounts:
Tick scalping and latency arbitrage: Strategies that exploit price feed delays or latency differences between brokers are strictly prohibited and will result in account termination.
Account merging: Combining the balances of multiple funded accounts is not permitted on any challenge type. Each account must be traded independently.
Copy trading across own accounts: Mirror-trading identical positions across multiple TX3 Funding accounts simultaneously to amplify exposure is forbidden.
News trading without the add-on: Trading within a restricted window around high-impact news events requires the News Trading add-on to be purchased before the challenge starts.
Third-party account usage: Purchasing, selling, or using an evaluation or funded account created by or for another person is a violation of the terms of service and grounds for immediate termination.
Unique Features
- Instant Funded Accounts: TX3 Funding offers Instant Standard and Instant Pro accounts — traders receive funded capital immediately without completing any evaluation phase. The first $10,000 in profits is 100% the trader’s.
- Custom Add-On System: Before purchasing a challenge, traders can customise it with individual add-ons: Higher Profit Share (80% to 90%), Double Leverage, News Trading, Hybrid profit targets, and Weekend Holding. This modular system is unique among prop firms.
- 24-Hour Payout Guarantee (Instant accounts): TX3 Funding guarantees payout processing within 24 hours for Instant account holders — or pays out $1,000 extra as compensation if the deadline is missed.
- Scaling to $2,000,000: Traders can hold multiple funded accounts simultaneously and qualify for balance increases after consistent profitability, with total capital potentially reaching $2,000,000.
- TX3 Futures Product: A separate funded trading product for futures traders, distinct from the Forex side of the business, giving TX3 a broader product range than most prop firms.
- Pro Challenge Reset: Traders who fail the first phase of the 2 Phase Pro challenge can reset their account within 24 hours, preserving progress toward funding without starting from scratch at full price.
Why Choose TX3 Funding?
- Three distinct evaluation types — 1 Phase, 2 Phase Flex, and 2 Phase Pro cater to different trading styles, from quick evaluations to structured performance programs.
- Instant funded accounts available — skip evaluation entirely with Instant Standard or Instant Pro and start trading with capital immediately.
- Customisable challenges — build your challenge with modular add-ons: leverage, profit share, news trading, and more.
- No time limits — complete your evaluation at your own pace with no deadlines on any challenge type.
- Fast payouts via Wise — 15+ payment options, on-demand for Pro, within 24 hours for Instant accounts.
- Scale to $2,000,000 — grow total capital through consistent performance across multiple funded accounts.
- Transparent rules — TX3 Funding publicly commits to fair payout reviews and no hidden rules.
- Futures trading available — access a dedicated futures product alongside the core Forex offering.
Frequently Asked Questions
What is TX3 Funding / Top Tier Trader?
TX3 Funding is a proprietary trading firm, formerly known as Top Tier Trader, founded in 2021 in Miami, Florida. It funds traders in Forex, indices, metals, commodities, crypto, and futures after passing an evaluation challenge — or immediately through Instant funded accounts. Funded traders keep 80–95% of profits depending on the program.
What challenge types does TX3 Funding offer?
TX3 Funding Forex offers five programs: 1 Phase Challenge (single evaluation step), 2 Phase Flex Challenge (relaxed two-phase), 2 Phase Pro Challenge (performance-focused two-phase), Instant Standard, and Instant Pro. A separate TX3 Futures product is also available for futures traders.
What account sizes does TX3 Funding offer?
Account sizes range from $5,000 to $200,000 for the 1 Phase Challenge, and from $5,000 to $300,000 for the 2 Phase Flex and 2 Phase Pro challenges. The maximum total funding cap is $400,000 for 1 Phase accounts and $600,000 for Flex and Pro accounts. A scaling program allows total capital to grow up to $2,000,000.
What is the profit split at TX3 Funding?
Profit splits vary by program: 85% on 1 Phase (90% with add-on), 80% on 2 Phase Flex, and 80% on 2 Phase Pro (90% with add-on). Instant accounts offer 100% of the first $10,000 in profits, then 90/10. The Higher Profit Share add-on is available at checkout for most challenge types.
What trading platform does TX3 Funding use?
TX3 Funding uses MatchTrader as its primary platform, with full MT5 (MetaTrader 5) compatibility available. MatchTrader is a browser-based platform requiring no software installation, offering advanced charting, fast execution, and a real-time trader dashboard.
How are payouts processed at TX3 Funding?
All payouts are processed through Wise, which supports 15+ payment options including bank transfer, cryptocurrency, and digital wallets. Payout frequency depends on the challenge: every 3 days for 1 Phase (min $100), every 7 days for Flex (min 2%), on-demand for Pro (min 2%), and within 24 hours for Instant accounts.
Is TX3 Funding a legitimate prop firm?
TX3 Funding has been operating since 2021 and has paid out over $29 million to more than 8,000 funded traders. The firm publicly commits to transparent rules and fair payout reviews. As with all prop firms, traders should read the full challenge terms before purchasing. TX3 Funding trades are simulated — it is an evaluation and funding firm, not a regulated broker.
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