Topstep vs One Funded – Elite Prop Firms Comparison
Introduction
Topstep and One Funded sit at opposite ends of the prop spectrum. Topstep, founded in Chicago in 2012, is the original CME-futures prop firm – futures-only, runs on its proprietary TopstepX platform, with more than a billion dollars paid out to funded traders. One Funded (UK-based, launched in 2024 under Brynex Tech Limited, Companies House #15918986) is a multi-asset Forex / indices / commodities / crypto firm offering virtual funded accounts from $2,000 to $200,000 and scaling up to $2 million in total allocation. Their challenge structure measures consistency and risk management; rules are trader-friendly with unlimited time, news trading permitted, and weekend holding allowed. The two firms barely overlap on instruments, so the right pick mostly depends on what you actually trade.
Quick Comparison |
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| Feature | Topstep | One Funded |
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| Founded | 2012 (Chicago, IL) | 2024 (United Kingdom) |
| Trustpilot Rating | 3.4/5 (13,872+ reviews, April 2026) | Not specified in current review |
| Account Sizes | $50K – $150K Trading Combine® | $2,000 – $200,000 (scaling to $2,000,000) |
| Profit Split | 100% on first $10K, 90/10 thereafter | 80% standard; 90% after milestones |
| Evaluation Style | Trading Combine® (single-phase) | 1-Step Challenge (two-phase) or 2-Step Challenge (single-phase) |
| Review | Read full review | Read full review |
Program Types – Which experience fits your goals? |
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|---|---|---|
| Program | Topstep | One Funded |
| Standard Evaluation | Trading Combine® at $50K, $100K or $150K | 1-Step Challenge – Challenge Phase + Verification Phase |
| Express / Single-Step | Combine is single-phase by default | 2-Step Challenge – single-phase, 10% target |
| Practice/Demo | Not offered | Free demo challenge available |
| Educational Support | Discord (150K+ traders), live trading rooms, daily sessions | Trading academy, webinars, market analysis, Discord community |
| Account Scaling | Limited beyond largest Combine size | 25% size increase after 3 consecutive profitable months; up to $2,000,000 |
Assessment Criteria – How can you pass the test? |
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|---|---|---|
| Criteria | Topstep | One Funded |
| Profit Target (Phase 1) | Single profit target per Combine size | 8% (1-Step Challenge Phase) or 10% (2-Step single phase) |
| Profit Target (Phase 2) | N/A – single phase | 5% (1-Step Verification Phase) |
| Maximum Daily Loss | None – no daily loss limit | 5% daily drawdown (resets at midnight server time) |
| Maximum Trailing Drawdown | Trailing MLL (end-of-day only); stops trailing at starting balance | 10% max drawdown; trailing on funded accounts |
| Minimum Trading Days | 5 trading days | 4 days (1-Step) or 5 days (2-Step) |
| Time Limit | None | Unlimited – no time pressure on either challenge |
| Consistency Rule | Best day cannot exceed 50% of total profits at payout | No copy trading, no martingale/grid, no tick scalping under 3 minutes |
Fees and Pricing – How much will you pay? |
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|---|---|---|
| Option | Topstep | One Funded |
| Entry Level | $50K Combine: monthly subscription | $5,000 – from $49 |
| Mid Tier | $100K Combine: higher monthly subscription | $10,000 / $25,000 / $50,000 – $79 / $149 / $279 |
| Premium | $150K Combine: highest monthly subscription | $100,000 / $200,000 – $499 / $899 |
| Reset Fee | Continued monthly subscription pays the reset | Discounted reset rates available |
| Refundable? | $149 activation fee path or No-Activation-Fee path | One-time fee model; refunded on first payout per industry norm |
| Coupons | See discounts | See discounts |
| Review | Read full review | Read full review |
Platforms/Tools – What can you use? |
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|---|---|---|
| Platform | Topstep | One Funded |
| Trading Platforms | TopstepX only (new accounts since July 2025) | TradeLocker (MT4) and cTrader |
| Data Feed | Included with TopstepX | Bundled via platform providers |
| Mobile Trading | Mobile-browser support | Mobile-optimised dashboard and platform apps |
| Custom Indicators | TradingView charting + Tilt™ indicator | MT4/cTrader indicator libraries |
| Automated Trading | EAs permitted | EAs permitted (subject to risk rules) |
| News Feed | Integrated within TopstepX | Available via platform providers |
Available Markets/Products |
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|---|---|---|
| Market | Topstep | One Funded |
| Forex | Not offered | 40+ major, minor, and exotic currency pairs |
| Index Futures / Indices | ES, NQ and full CME index suite | Global stock indices (US, EU, Asia) |
| Energy / Commodities | CL and full CME energy complex | Crude oil, energy products |
| Metals | GC and CME metals | Gold, silver and precious metals |
| Crypto | Not offered on standard accounts | BTC, ETH and major cryptocurrencies (CFD) |
| Stocks | Not offered | Not specified in current review |
| Total Coverage | Full CME futures suite | Multi-asset Forex / indices / commodities / crypto |
Technical Capabilities/Performance |
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|---|---|---|
| Feature | Topstep | One Funded |
| Execution Speed | Direct via TopstepX infrastructure | Low-latency execution across MT4 / cTrader |
| Automated Trading | EAs permitted | EAs permitted; copy trading and arbitrage prohibited |
| Order Types | Standard futures order set (Market, Limit, Stop, OCO) | Full Forex/CFD order set across MT4 and cTrader |
| Platform Reliability | Established since 2012, $1B+ payouts processed | Launched 2024 under Brynex Tech (UK Companies House #15918986) |
| Data Feed Quality | TopstepX-bundled data feed | Provider-bundled retail-grade Forex/CFD feeds |
| Trading Hours | Standard CME futures sessions | 24/5 across most CFD instruments; weekend holding allowed |
Support and Community |
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|---|---|---|
| Support Feature | Topstep | One Funded |
| Customer Support Hours | Live chat, email, phone, SMS, WhatsApp | 24/5 – email, live chat, Discord |
| Response Time | Same-day during business hours | Typically under 24 hours |
| Live Coaching | Daily live trading sessions, webinars | Regular webinars and educational sessions |
| Trading Community | 150,000+ Discord members | Active Discord with thousands of traders |
| Educational Resources | Multiple tracks, courses, podcasts | Trading academy: video tutorials, market analysis, risk-management guides |
| Success Stories | $1B+ in cumulative payouts | Payouts on demand after 14 days; processed via crypto, wire, Wise, Payoneer, Rise |
Conclusion and Final Recommendation |
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|---|---|---|
| Key Element | Topstep | One Funded |
| Strengths | Longest live track record in futures, deep education ecosystem, no daily loss limit, EAs permitted, $1B+ payouts | Affordable entry ($49), unlimited time, news trading permitted, weekend holding, scaling to $2M, multiple payout methods |
| Weaknesses | Monthly subscription compounds; TopstepX-only platform; CME futures only | Newer firm (2024); 5% daily drawdown is comparatively tight; not regulated as a broker |
| Best For | Futures traders who want pedigree and the best US-futures evaluation experience | Forex / multi-asset traders who want affordable entry, flexible rules, and a clear scaling path |
| Final Grade | 4.4/5 | 4.0/5 |
| Discount Codes | Learn More | Learn More |
| Review | Read full review | Read full review |
FAQ
Do Topstep and One Funded offer the same instruments?
No. Topstep is CME Group futures only (ES, NQ, CL, GC and similar). One Funded offers 40+ Forex pairs, global index CFDs, commodities, metals, and major crypto. The two firms barely overlap on instruments; pick based on what you actually trade.
Which firm has the more permissive rules?
One Funded – unlimited time on both challenges, news trading explicitly allowed, weekend holding permitted, and EAs allowed. Topstep also permits EAs and has no daily loss limit, but its trader population is exclusively futures-focused and bound to the TopstepX platform.
How quickly can I get a payout?
Topstep funded accounts can request bi-weekly payouts after a minimum holding period; daily payouts unlock after 30 consecutive winning days. One Funded processes first payouts 14 days after the first funded trade, then on-demand via crypto (1–3 days), wire (3–5 days), Wise (1–3 days), Payoneer (2–4 days), or Rise (1–2 days).
Can I run an EA on both firms?
Yes. Topstep allows EAs with no specific restriction. One Funded permits EAs provided they comply with risk rules – no tick scalping under 3 minutes, no martingale or grid strategies, no copy trading or cross-account hedging.
What’s the consistency rule on each firm?
Topstep applies a 50% best-day rule at payout: a single day cannot account for more than 50% of total profits. One Funded does not publish a percentage-based consistency rule, but enforces minimum trading days, prohibits tick scalping under 3 minutes, and bans martingale / grid / copy trading strategies.
How was this 2 companies Comparison Created?
1. We Collect
We pull each firm’s public-facing rules, fees, drawdown parameters, profit splits, platforms, and supported markets from their official documentation and our own JoinProp reviews.
2. We Examine
Each criterion is normalised so the two firms are compared on the same axis – for example, “drawdown” is broken down into trailing vs static, intraday vs end-of-day, and any reset conditions.
3. We Score
Where one firm offers a meaningfully better term – lower fees, broader markets, more permissive rules – we identify it and explain the trade-off.
4. You Choose
The conclusion is written so you can match a firm to your trading style: instrument coverage, evaluation tolerance, and payout cadence are the three filters most traders should care about.
