Top One Futures – Firm Review
- Rock-solid execution for serious traders
- Fast capital scaling potential rewards
- Exceptional client assistance around clock
- Minimal withdrawal delays guarantee available
- Global broker access for everyone
Firm Overview
Top One Futures was co-founded in 2023 by Matt Morris and Clay Hodges and is incorporated in Cheyenne, Wyoming. Despite being a relatively young firm, it has built an impressive reputation: $21M+ in total payouts, a Trustpilot score of 4.8/5 from 3,100+ reviews, and an average payout speed of under one hour. It operates under the broader TopOne brand, which also includes TopOneTrader (CFDs) and TopOne Markets.
The firm is futures-only and covers the standard CME Group product lineup. All accounts use EOD trailing drawdown — the floor only rises when the trading session closes at a new account equity high, giving traders full intraday flexibility. The Elite Challenge profit target of 6% is achievable and can be passed in as little as one trading day if you hit the target immediately.
Account Types
| Account | Evaluation | Fee (50K example) | Profit Target | Daily DD | Max Trailing DD |
|---|---|---|---|---|---|
| Elite Challenge | 1-Step | $105/mo + $149 activation | 6% | 2.5% | 4% EOD trailing |
| Instant Sim Funded | None | ~$679 one-time | None | 2.5% | 4% EOD trailing with lock |
| S2F Sim PRO | None | ~$421 one-time | None | Strict intraday | Intraday trailing |
| Ignite | None | ~$398 one-time | None | Applies | EOD trailing with lock |
Account sizes: $25,000 to $300,000. Scaling to $2.5M+ across multiple accounts. All one-time-fee accounts (Instant Sim, S2F PRO, Ignite) have no recurring monthly fees.
Evaluation Specifications
| Parameter | Specification |
|---|---|
| Evaluation Type | Single-phase (1-Step) — Elite Challenge only |
| Account Sizes | $25,000 to $300,000 |
| Profit Target | 6% |
| Daily Loss Limit | 2.5% (soft pause — trading resumes next day at 6:00 PM ET) |
| Maximum Trailing Drawdown | 4% EOD trailing |
| Drawdown Floor Lock | Locks permanently at starting balance once reached |
| Minimum Trading Days | None — can pass in a single day |
| News Trading | Fully permitted |
| Weekend Holding | Not permitted — close by 4:00 PM ET Friday |
| Minimum Trade Duration | 10 seconds |
| Expert Advisors | Permitted |
| Scaling | Up to $2.5M+ across multiple accounts |
Profit Split and Payouts
- 100% of first $20,000: All profits up to $20K cumulative per account go entirely to the trader — the highest threshold in major futures prop
- 90/10 thereafter: Trader keeps 90% of all profits beyond $20K
- On-demand payouts: Request any time once payout cycle requirements are met
- Average processing time: Under 1 hour
- Payout processor: Riseworks
- Payout cycle requirement: 1st payout requires 6% profit, 2nd requires 5%, 3rd+ requires 4% profit between each withdrawal
Payout Process
- 100% of first $20,000: All cumulative profits up to $20K per account go entirely to the trader — the highest threshold of any major futures prop firm
- 90/10 split thereafter: Trader keeps 90% of all profits beyond the $20K threshold
- Payout cycle requirements: 1st payout requires 6% profit; 2nd requires 5%; 3rd and beyond require 4% profit between each withdrawal
- On-demand payouts: Request a withdrawal at any time once the payout cycle requirement is met
- Processing speed: Average under 1 hour via Riseworks payout platform
- Payout methods: Processed through Riseworks (supports bank transfer and crypto options)
Key Trading Rules
- No minimum trading days: Elite Challenge can be passed in a single day if the 6% target is hit immediately
- News trading: Fully permitted — no restrictions around news events
- Weekend holding: Not allowed — all positions must close by 4:00PM ET; no overnight holds into the weekend
- Minimum trade duration: 10 seconds — no ultra-fast scalping
- 25% consistency rule (funded): Best single day cannot exceed 25% of total profits in the payout cycle
- Drawdown lock: Once the EOD trailing drawdown floor reaches the starting balance, it locks permanently (protects starting capital)
- Daily loss limit: 2.5% on most accounts; breach results in soft pause — trading resumes next day at 6:00PM ET (not immediate termination)
Platforms
- NinjaTrader — advanced charting and automation
- Tradovate — web-based primary platform
- ProjectX — available on some account types (note: ProjectX discontinued partnerships with most prop firms Feb 2026; verify current availability)
- Rithmic data feed supported
Company Information
- Founded: 2023
- Co-founders: Matt Morris and Clay Hodges
- HQ: Cheyenne, Wyoming, USA
- Total payouts: $21M+
- Trustpilot: 4.8/5 from 3,100+ reviews
- Markets: CME Group futures — indices (ES, NQ, YM), commodities (CL, GC, NG, SI), currencies (6E, 6B, 6J)
- Payout processor: Riseworks
- Part of TopOne brand (also: TopOneTrader CFD firm, TopOne Markets)
Why Choose Top One Futures?
Top One Futures stands out for its 100% first-$20K profit threshold (the highest in major futures prop), its under-1-hour payout speed, and its soft daily loss limit rule that pauses rather than terminates accounts. These three features are genuinely differentiated. The firm is young (2023) so track record is limited compared to Topstep or Earn2Trade, and the payout cycle requirements (6%/5%/4% between withdrawals) were tightened in 2025, making frequent withdrawals harder. But for traders who want the best early-stage profit deal and the fastest access to their money, Top One Futures is one of the strongest options in the futures prop space right now.
Frequently Asked Questions
What is the difference between Instant Sim Funded and the Elite Challenge?
The Elite Challenge is a one-step evaluation where you must hit a 6% profit target before accessing the funded account. It has a monthly subscription fee plus a $149 activation fee on pass. The Instant Sim Funded account requires no evaluation — you pay a one-time fee and start trading a funded simulated account immediately. Both accounts use EOD trailing drawdown and the same profit split structure (100% of first $20K, then 90/10).
What happens if I hit the daily loss limit?
Top One Futures uses a “soft pause” for daily loss limit breaches — your trading is paused for the rest of that day but your account is not terminated. Trading resumes at 6:00 PM ET the following day. This is more forgiving than most prop firms that immediately terminate the account on a daily loss limit hit.
Are Expert Advisors (EAs) allowed at Top One Futures?
Yes. Expert Advisors and automated trading systems are fully permitted on all account types, including during the Elite Challenge evaluation phase and on funded accounts. There are no restrictions on algorithmic strategies.
What markets can I trade at Top One Futures?
Top One Futures provides access to CME Group futures contracts. Available markets include equity indices (ES, NQ, YM), energy and commodities (CL, GC, NG, SI), and currencies (6E, 6B, 6J). All standard CME futures products available on NinjaTrader, Tradovate, and Rithmic-connected platforms are accessible.
How does the scaling plan work?
Top One Futures offers scaling to $2.5M+ in total funded capital across multiple accounts. There is no minimum trading days requirement for any account type. Traders can open additional funded accounts once they demonstrate consistent performance, allowing capital to grow substantially beyond the initial account size.
What is the payout cycle requirement?
Payout cycle thresholds decrease over time: your first payout requires a 6% profit, the second requires 5%, and the third payout onward only requires 4% profit between each withdrawal. All payouts are processed on-demand via Riseworks, with an average processing time of under one hour.
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