Top One Futures
📍 US
CEO: Matt Morris
Trading Platforms
Payment Methods
Payout Methods
Top One Futures is a US-based futures prop firm that launched in April 2025 under CEO Matt Morris. Every account pays a 90/10 profit split, comes in four sizes from $25,000 to $150,000, and pays out through Riseworks. The part that trips people up is the lineup. There are four different products with four different rule sets, and picking the wrong one is the most common mistake. This page walks you through all four so you can choose the right one before you pay.
New Here? Read This First
- Four products, four sets of rules. Elite Daily and Elite Access are evaluations. Instant Sim Funded and Ignite skip the evaluation and start you funded on day one. Don't assume a rule on one applies to another.
- Consistency rules vary a lot. Ignite is the tightest at 15%, Instant Sim Funded is 20%, and Elite Access is 40% once funded. Elite Daily only has a 40% rule during the evaluation and drops it after that.
- The Daily Loss Limit is soft, not an account killer. Hit it and trading pauses for the day. The account lives on. It's measured from the previous day's closing balance, and Elite Access has none during the evaluation.
- No overnight holding. Everything gets closed before the end of the session, every day. Bots and EAs aren't allowed either.
- You need a verified Rise account to get paid. Set it up early so it doesn't hold up your first payout.
Which Account Should You Pick?
| If you want... | Pick | Why |
|---|---|---|
| Daily payouts and no activation fee | Elite Daily | Payouts are available every day once funded. You clear a 40% consistency rule in the evaluation, then it's gone. The catch is a Daily Loss Limit on both stages and small payout caps. |
| The cheapest, fastest route to funded | Elite Access | No Daily Loss Limit and no consistency rule in the evaluation, so you can pass in a single day. You pay an activation fee when you pass, and the 40% consistency rule shows up once you're funded. |
| To skip the evaluation and trade funded right away | Instant Sim Funded | Higher price, but you start funded at full size. It has the highest payout caps in the lineup, with a 20% consistency rule. |
| Instant funding at the lowest price, or copy trading across many accounts | Ignite | Cheapest instant option, and you can copy trade up to 10 accounts of the same size. You pay for that with a strict 15% consistency rule and lower payout caps. |
If your daily profits swing a lot, avoid Ignite. A 15% rule means one big day can lock you out of a payout. Elite Access is far more forgiving for that kind of trader.
Max Withdrawal Per Request
| Size | Elite Daily | Elite Access | Instant Sim Funded | Ignite |
|---|---|---|---|---|
| $25,000 | $750 | $1,000 | $1,000 | $500 |
| $50,000 | $1,000 | $1,500 | $2,000 | $1,000 |
| $100,000 | $1,500 | $2,000 | $2,500 | $1,500 |
| $150,000 | $2,250 | $2,500 | $3,000 | $2,000 |
Instant Sim Funded figures are for accounts bought on or after July 27, 2026 (the "2.0" version). Older accounts have higher caps of $1,500, $2,500, $3,000 and $3,500. These are modest caps next to some competitors, so Top One suits you better if you want to cash out often in smaller amounts than if you want big single withdrawals.
How Each Account Gets You Paid (Example: $50K)
| Account | Evaluation | Funded |
|---|---|---|
| Elite Daily | Make $3,000, keep your best day under 40% of total profit, $2,000 EOD trailing drawdown, $1,000 Daily Loss Limit. | Request payouts daily. Minimum $500, max $1,000. You need a $2,500 buffer first, and at least half of each request must be new profit since your last payout. |
| Elite Access | Make $3,000, no consistency rule, no Daily Loss Limit, $2,000 EOD trailing drawdown. Can be passed in 1 day. | 5 profitable days with at least $250 profit each, 40% consistency, $2,000 buffer plus $500. Max $1,500 per request. |
| Instant Sim Funded | None. You start funded. | First payout needs 6% profit ($3,000), then 5%, then 4% on each later cycle. 20% consistency. Max $2,000 per request. |
| Ignite | None. You start funded. | 5% profit ($2,500) for every payout, 15% consistency, no minimum trading days. Minimum payout $250, max $1,000. |
Drawdown & Daily Loss Limit
Every account uses an end of day trailing drawdown. It follows your highest closed balance and never moves back down. Once your profit clears the drawdown amount plus $100, it locks at $100 above your starting balance. Max loss limit by size on the funded stage:
| Size | Elite Daily | Elite Access | Instant Sim Funded | Ignite |
|---|---|---|---|---|
| $25,000 | $1,000 | $1,000 | $1,000 | $1,000 |
| $50,000 | $2,000 | $2,000 | $2,000 | $2,000 |
| $100,000 | $2,500 | $3,000 | $4,000 | $4,000 |
| $150,000 | $3,500 | $3,500 | $5,250 | $6,000 |
Daily Loss Limit by size:
| Size | Elite Daily | Elite Access (funded only) | Instant Sim Funded | Ignite |
|---|---|---|---|---|
| $25,000 | $500 | $500 | $625 | $500 |
| $50,000 | $1,000 | $1,000 | $1,250 | $1,000 |
| $100,000 | $1,250 | $1,250 | $2,500 | $2,000 |
| $150,000 | $1,850 | $1,750 | $3,000 | $3,000 |
Don't treat the Daily Loss Limit as a stop loss. Top One says it can trigger late or fail to trigger in fast markets, and any loss beyond the limit is yours. Use real stop orders.
Contract Limits
| Size | Minis | Micros |
|---|---|---|
| $25,000 | 1 | 10 |
| $50,000 | 3 | 30 |
| $100,000 | 5 | 50 |
| $150,000 | 7 | 70 |
Instant Sim Funded and Ignite give you the full size from day one. Elite Daily scales you up in steps once you're funded, so on a $50K you start at 1 mini and build to 3.
Minimum Trading Days
| Account | Evaluation | First payout |
|---|---|---|
| Elite Daily | No fixed minimum | 1 day |
| Elite Access | 1 day (30 day time limit) | 5 profitable days |
| Instant Sim Funded | No evaluation | Gated by the profit target and consistency rule |
| Ignite | No evaluation | None, just the 5% target and 15% consistency |
What Happens After Funded
All of these are simulated funded accounts. After three successful payouts on Ignite or Elite Access, Top One's risk team reviews you and may move you to a live account. Only one account makes the jump. If you're running several, the rest are closed. That's worth knowing before you stack accounts hoping for a live one.
Explore Every Plan & Size
| Account | 25K | 50K | 100K | 150K |
|---|---|---|---|---|
| Elite Daily | $25K | $50K | $100K | $150K |
| Elite Access | $25K | $50K | $100K | $150K |
| Instant Sim Funded | $25K | $50K | $100K | $150K |
| Ignite | $25K | $50K | $100K | $150K |
Platforms & Trading Hours
The plans listed here run on Tradovate and NinjaTrader. You can trade from 6:00 PM to the afternoon close ET, Monday to Friday, with a one hour break from 5 to 6 PM ET. No overnight or weekend holding.
