Top One Futures pays a 90/10 split on every account, so you keep 90% of each payout. How you qualify depends on the account. Elite Daily is built around daily withdrawals, Elite Access around bigger less frequent ones, and the two instant accounts around profit targets and consistency.

Max Payout Per Request

Instant Sim Funded caps are for accounts bought on or after July 27, 2026. Older accounts have caps of $1,500, $2,500, $3,000 and $3,500. If your profit goes above the cap, you request the max and the rest stays in the account for later or acts as buffer.

Elite Daily

Payouts are available every day from day one of the funded stage. The minimum is $500. Before you can withdraw you need to build a buffer, and each request needs at least 50% of the amount to be new profit since your last payout. So if you ask for $1,000, at least $500 of it has to be earned after your previous withdrawal.

The consistency rule doesn't apply on the funded stage, and there's no activation fee. The tradeoff is the small payout caps and the Daily Loss Limit that stays on while you're funded.

Elite Access

You need at least 5 profitable days, and each of those days has to hit a minimum profit for your size. The minimum request is $500, and you have to be above your buffer plus $500. The same 50% new profit rule applies to each request. The 40% consistency rule applies here.

This one has the most requirements of the four before your first payout, so it suits a patient, steady trader better than someone who wants cash quickly.

Instant Sim Funded

You qualify with a profit target that steps down over time, plus a 20% consistency rule.

On a $50K account, the first payout needs $3,000 of profit. If you withdraw $1,500, your balance sits at $51,500, and the next target is 5% of that, which is $2,575. Your consistency score resets after every payout and applies to the new profit going forward.

Ignite

You need 5% profit and a 15% consistency score. There's no minimum number of trading days, so you can request a payout as soon as you've met both. Every later payout needs another 5% on top of your balance after the last one. The minimum payout is $250.

The 15% rule is the real hurdle. If you want to withdraw $1,000, your best day in that cycle can be $150 at most. That works for steady traders and mechanical systems, and it works poorly for anyone who relies on a few big days.

How You Get Paid

Top One pays out through Riseworks. You need a Rise account that's created and verified, then linked in your Top One dashboard under Settings, then Payment, then Add Method. The email has to match your Rise account exactly, or the payout can fail or be delayed. Without a verified Rise account linked, you can't submit a payout request at all. You also need to have completed KYC.

Path to a Live Account

After three successful payouts on Ignite or Elite Access, Top One's risk team reviews your trading and can move you to a live account, or keep you in sim for further review. Top One can also move you earlier if it chooses. Only one account goes live. If you hold several, the others are closed, and on Elite Access the account with the highest profit is the one that moves.

Things to Know Before You Buy

• Payout caps are on the lower side compared to bigger firms, so this works best if you withdraw often.
• Instant Sim Funded and Ignite can't be reset if they breach, so a blown account means buying a new one.
• Set up and verify your Rise account before you need it, so your first payout isn't delayed.