Lucid Trading vs Top One Futures - Prop Firm Comparison
Introduction
Lucid Trading and Top One Futures are two of the fastest-paying CME futures firms around, which makes payout terms the natural battleground. Top One Futures, founded in 2023 in Cheyenne, Wyoming, lets funded traders keep 100% of their first $20,000 in profits, the highest first-payout threshold in the industry, and processes on-demand payouts averaging under an hour. It runs four account types, two of them instant-funded, with an end-of-day trailing drawdown and scaling to $2.5M+. Lucid Trading counters with the fastest average payout in the space at around 15 minutes, paid via Plaid, ADP or cryptocurrency, alongside 50,000+ funded traders and a 10+ platform lineup. Both fund CME index, energy and metals contracts with no hard time limit. The funding mechanics differ in the details. Lucid pays a flat 90% (with 100% of the first $10,000 on early LucidPro accounts) and runs LucidFlex and LucidPro under static max-loss limits. Top One’s headline is its 100% of the first $20,000 and instant-funded options, on a trailing drawdown. On platforms, Lucid’s 10+ list and crypto payouts give it an edge in flexibility, while Top One’s first-profit terms and instant funding give it an edge for traders chasing their first big payout. A trader who wants the fastest per-request withdrawals, crypto options and the widest platform choice will lean toward Lucid Trading; one who wants the most generous first-$20,000 terms and instant funding will prefer Top One Futures.
Quick Comparison |
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| Feature | Lucid Trading | Top One Futures |
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|  |  |
| Founded | Specialist futures firm (year not publicly stated) | 2023 (Cheyenne, WY) |
| Trustpilot Rating | 4.7/5 (3,298 reviews) | 4.8/5 (4,017 reviews) |
| Trading Focus | CME futures | CME futures |
| Profit Split | 90% (100% on first $10K, early LucidPro) | 100% of first $20K, then standard split |
| Evaluation | 1-Step (LucidFlex, LucidPro) | Elite Challenge (1-step) plus instant options |
| Account Sizes | $25K – $150K | $25K – $150K (scales to $2.5M+) |
| Payout Speed | 15-minute average (fastest) | On-demand, averaging under 1 hour |
| Review | Read full review | Read full review |
Key Differences Between Lucid Trading and Top One Futures
- First-payout terms: Top One lets you keep 100% of the first $20,000; Lucid pays a flat 90% (100% of the first $10,000 on early LucidPro).
- Payout speed: Lucid documents ~15-minute payouts with crypto; Top One pays on demand averaging under an hour.
- Instant funding: Top One offers two instant-funded options; Lucid’s fastest route, LucidPro, still requires a single-day evaluation.
- Platforms: Lucid supports 10+ platforms with crypto payouts; Top One supports major futures platforms.
- Drawdown: Lucid uses static max-loss limits; Top One uses an end-of-day trailing drawdown.
- Scaling: Top One scales to $2.5M+ across multiple accounts; Lucid funds to $150K.
- Account menu: Top One offers four account types; Lucid runs LucidFlex and LucidPro.
- Track record: Lucid has 50,000+ traders and $60M+ paid; Top One has 4,000+ reviews since 2023.
Program Types – Which experience fits your goals? |
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| Program | Lucid Trading | Top One Futures |
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| Evaluation Format | Single-step (LucidFlex, LucidPro) | Elite Challenge (1-step) plus instant options |
| Instant / Skip-Evaluation | Not offered; LucidPro is single-day | Two instant-funded account options |
| Static-Drawdown Option | Static max-loss limits | Not offered; EOD trailing drawdown |
| Account Variants | LucidFlex, LucidPro | Four account types |
| First-Profit Window | 100% of first $10K (early LucidPro) | 100% of first $20,000 |
Assessment Criteria – How can you pass the test? |
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| Criteria | Lucid Trading | Top One Futures |
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| Profit Target | About 6% (LucidFlex); 5-6% (LucidPro) | Elite Challenge target (see firm site) |
| Daily Loss Limit | None (LucidFlex); scaled by size (LucidPro) | End-of-day based limits |
| Maximum Loss | Static max loss (about 3-4% by size) | End-of-day trailing drawdown |
| Minimum Trading Days | 5 qualifying days (LucidFlex); none (LucidPro) | None specified |
| Time Limit | None | None |
| News Trading | Permitted within plan rules | Permitted within rules |
Fees and Pricing – How much will you pay? |
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| Option | Lucid Trading | Top One Futures |
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| Pricing Model | Plan-based evaluation fee | Challenge fee / instant funding fee |
| Activation Fee | See firm site | Varies by account type |
| Profit Split | 90% (100% on first $10K, early LucidPro) | 100% of first $20K, then standard split |
| Payout Speed | 15-minute average | On-demand, under 1 hour average |
| Scaling | To $150K | To $2.5M+ across multiple accounts |
| Coupons | See discounts | Coupon Code |
Platforms/Tools – What can you use? |
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| Platform | Lucid Trading | Top One Futures |
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| Trading Platforms | CQG, Rithmic, NinjaTrader, Tradovate, TradingView, Sierra Chart and more (10+) | Major futures platforms (Tradovate, NinjaTrader, Rithmic) |
| Data Feeds | CQG and Rithmic | Rithmic and Tradovate |
| Mobile Trading | Via supported platform apps | Via supported platform apps |
| Automated Trading | Permitted within rules | Permitted within rules |
| Order-Flow Tools | Bookmap, ATAS, Jigsaw, Quantower | Multiple platform tools |
Available Markets/Products |
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| Market | Lucid Trading | Top One Futures |
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| Index Futures | ES, NQ, YM, RTY plus micros and NKD | ES, NQ, YM, RTY and CME index futures |
| Energy / Metals | CL, NG, GC, SI (CME) | CL, NG, GC, SI (CME) |
| Forex | CME FX futures | CME FX futures |
| Crypto | Not offered | Not offered |
| Micro Futures | CME micro contracts | CME micro contracts |
| Weekend Holding | Per CME session rules | Per CME session rules |
Technical Capabilities/Performance |
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| Feature | Lucid Trading | Top One Futures |
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| Execution | CQG and Rithmic execution | Established platform execution |
| Platform Breadth | 10+ platforms, among the broadest in futures | Major futures platforms |
| Payout Speed | 15-minute average, fastest documented | On-demand, under 1 hour |
| Payout Record | $60M+ paid to 50,000+ traders | On-demand payouts; scaling to $2.5M+ |
| Automated Trading | Permitted within rules | Permitted within rules |
Support and Community |
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| Support Feature | Lucid Trading | Top One Futures |
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| Customer Support | Email and active community support | Email and support |
| Trading Community | 50,000+ registered traders | Strong US trader community |
| Educational Resources | Guides, tutorials and market resources | Guides and trading resources |
| Track Record | 4.7/5 from 3,298 reviews; $60M+ paid | 4.8/5 (4,017); since 2023 |
Conclusion and Final Recommendation |
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| Key Element | Lucid Trading | Top One Futures |
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| Strengths | Fastest payouts (15 min), crypto payouts, 10+ platforms, single-day LucidPro pass, 50,000+ traders | 100% of first $20K, on-demand sub-hour payouts, instant-funding options, scaling to $2.5M+, excellent reputation |
| Weaknesses | Consistency rules on both plans, futures-only | Standard split after first $20K, EOD trailing drawdown, futures-only |
| Best For | Traders who want the fastest per-request withdrawals, crypto options and platform choice | Traders who want the best first-$20,000 terms and instant funding |
Final Grade
How we rank firms ↗ | 8.4 | 8.6 |
| Discount Codes | See discounts | Coupon Code |
| Review | Read full review | Read full review |
FAQ
Which firm pays out faster, Lucid Trading or Top One Futures?
Both are among the fastest in futures. Lucid documents an average payout of around 15 minutes with Plaid, ADP and crypto options. Top One Futures pays on demand averaging under an hour. Lucid edges ahead on raw per-request speed, while both are far quicker than the industry norm.
Which firm has the better first-payout terms?
Top One Futures. It lets you keep 100% of your first $20,000 in profits, the highest threshold in the industry. Lucid pays a flat 90%, with 100% of the first $10,000 on early LucidPro accounts, so Top One is more generous on the first big payout.
Does either firm offer instant funding?
Top One Futures does, through two of its four account types that are instant-funded. Lucid Trading’s fastest option, LucidPro, can be passed in a single day but still requires an evaluation, so Top One is the choice for skipping the challenge entirely.
How was this 2 companies Comparison Created?
This comparison was compiled using the published review data on JoinProp for each firm, along with each firm’s stated evaluation rules, account structures, platforms and payout terms as of 2026. Where a detail is not publicly disclosed, the cell notes this. Verify current terms directly with Lucid Trading and Top One Futures before purchasing a challenge.
