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.
TL;DR: Lucid Trading (grade 8.4) offers a 90 profit split; Top One Futures (grade 8.6) offers 100% of first $20,000, then 90/10. Full side-by-side below, plus who each is best for. Our higher-rated pick: Top One Futures (8.6 vs 8.4).
Quick Facts
| Feature | Lucid Trading | Top One Futures |
|---|
|  |  |
| Founded | — | 2023 |
| Profit Split | 90 | 100% of first $20,000, then 90/10 |
| Maximum Account Size | $150,000 | $300,000 |
| Evaluation Phases | 2 | 1 |
| Trustpilot Rating | 4.8 | 4.8 |
| Expert Grade | 8.4 | 8.6 |
Program Types
| Program | Lucid Trading | Top One Futures |
|---|
| Entry Level Program | Yes | Yes |
| Advanced Program | Yes | Yes |
| Scaling Options | Yes | Yes |
| Demo Account | — | Yes |
Rules & Assessment
| Criteria | Lucid Trading | Top One Futures |
|---|
| Profit Target | 25k: $1250; 50k: $3000; 100k: $6000; 150k: $9000 | 6% |
| Maximum Drawdown | Flex 25k: $1000; 50k: $2000; 100k: $3000; 150k: $4500 | 4% EOD trailing |
| Minimum Trading Days | Flex: 5; Pro: 1 | 0 |
| News Trading | — | Yes |
Fees & Pricing
| Feature | Lucid Trading | Top One Futures |
|---|
| Trading Platforms | NinjaTrader, Tradovate, TradingView, Sierra Chart, ATAS, Bookmap, Quantower, Jigsaw, MotiveWave, R|Trader Pro, MultiCharts | NinjaTrader, Tradovate, ProjectX |
| Forex | Yes | Yes |
| Stocks | No | No |
| Indices | Yes | Yes |
| Commodities | Yes | Yes |
| Cryptocurrencies | No | No |
| Bonds | No | No |
| EA/Algo Trading | — | Yes |
Payout
| Feature | Lucid Trading | Top One Futures |
|---|
| Payout Terms | 15-minute average via Plaid, ADP, or crypto | On-demand, averaging under 1 hour via Riseworks |
| See all prop firm payouts → |
Verdict
| Key Element | Lucid Trading | Top One Futures |
|---|
| Strengths | 15-minute average payout speed, Dual plans for different experience levels, 10+ professional platforms, Crypto payout options, Large active community | 100% profit threshold highest in industry, fastest payouts under 1 hour, soft daily loss pause vs termination |
| Weaknesses | Max account size $150,000 smaller than competitors, LucidFlex payout caps on initial withdrawals, Futures-only, Daily loss limits on larger LucidPro accounts | founded 2023 limited track record, no weekend holdings, tightened payout cycles in 2025 |
| Best For | Futures traders seeking rapid payouts and flexible challenge structures | Traders seeking fastest payouts and highest early-stage profit threshold |
Verdict: Who each is best for: Lucid Trading — Futures traders seeking rapid payouts and flexible challenge structures. Top One Futures — Traders seeking fastest payouts and highest early-stage profit threshold.
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.
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