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Top One Trader Review
Top One Trader is a US challenge based prop firm founded in 2022. It offers fast payouts and a 90 percent split, but cuts leverage once you get funded.
Account Sizes
$5K, $10K
Profit Split
Up to 90%
Max Drawdown
7% trailing
Payout
On demand — average 90 minutes
Pros
- Discounted evaluation fees can start from about 15 dollars
- Profit split starts at 80 percent and can reach up to 100 percent
- Payouts are on demand and often arrive in about 90 minutes
- Several account types, including one with no consistency rule
- Large claimed scale, over 26,000 clients across 100 plus countries
Cons
- Leverage is reportedly cut in half once an account gets funded
- Bans scalping, grid, and martingale strategies on funded accounts
- Trading is blocked for 5 minutes around high impact news events
- Not registered with any financial regulator, common for this model
Top One Trader LLC was founded in 2022 by Matt Morris and Brycen Coffman, registered in California. It claims over 26,000 clients across 100 plus countries. Like most challenge based prop firms, it is not itself a regulated brokerage.
Traders pick account types such as One Step, Two Step Plus, No Consistency, and Instant Funding, sized from 5,000 to 200,000 dollars. Fees can start from around 15 dollars on discount. Profit split starts near 80 percent, rising toward 100 percent with add ons, daily drawdown is capped at 4 percent, trailing max drawdown at 7 percent. It advertises an average payout near 90 minutes.
Funded accounts face real limits. Top One Trader bans tick scalping, grid, and martingale systems, and blocks new trades for 5 minutes around high impact news. Several traders report leverage is cut in half once funded. Like other firms in this space, it holds no financial regulator license, so it is a private trading contract, not a licensed broker account.
Min. Deposit
USD 15
Max Leverage
Reduced after funding according to trader reports, exact ratio not published
Spreads From
Not applicable, Top One Trader runs funded challenges rather than a spread based account
Platforms
Challenge Types
Account Sizes
Evaluation Fee
From $14 (discounted)
Profit Split
Up to 90%
Daily Drawdown
4%
Max Drawdown
7% trailing
Payout Frequency
On demand — average 90 minutes
Scaling Plan
Available on selected account types
Trading Rules
- 10% profit target (One-Step)
- Unlimited time limit
- EAs allowed
- Hold trades over weekends allowed
- No consistency rule on select accounts
Top One Trader is an industry-recognised prop trading firm known for some of the fastest payouts in the space — averaging 90 minutes. The firm offers One-Step, Two-Step Plus, No Consistency, Instant Funding, and Instant Prime account types across sizes from $5K to $200K, all with a 90% profit split. The firm has distributed $5M+ in verified payouts and holds a high Trustpilot score from 2,000+ reviews. TOT was recognised for the tightest spreads in the industry, verified independently by Prop Firm Match.
