Top One Trader: Payouts, split & $25k cap
2-Step: 80% base (90% with add-on). Instant Funding ramps 60% → 70% → 80% → 90% by payout number. Minimum payout is 2% of the initial balance. 2-Step first payout 14 days after funding, then every 14 days; Instant first at 30 days, then every 30 (Instant Payouts add-on bypasses the wait). KYC requires ID + proof of address + selfie, and the firm may require a video interview. Hard cap: a trader may retain max $25,000 in net profit + total withdrawals within any 30-day period across ALL accounts — excess is deducted from the trading balance. Funded Flash also has a 3% daily profit cap (excess voided) and a 20%/20-lot max-lot rule.
The gotcha
The $25k/30-day retention cap spans all your accounts and claws back the excess from your balance — not just holds it.
What happens if you break it
Breaching this doesn't necessarily close the account, but it can disqualify the payout you were trading toward — you keep trading, the profit doesn't get paid.
The numbers
| twoStepSplit | 80-90 |
| instantRamp | 60/70/80/90 |
| minPayoutPct | 2 |
| cap30dUsd | 25000 |
| flashDailyProfitCap | 3 |
Source: support — official page . Confidence: verified.
How other prop firms handle payouts
Top One Trader's payouts, split & $25k cap is one approach. Here's how the rest of the field treats payouts — sorted by how hard a breach hits.
| Firm | Rule | If breached |
|---|---|---|
| Alpha Capital Group | Payouts, split & scaling | Payout denied |
| Apex Trader Funding | Payouts, split & safety net | Payout denied |
| AquaFunded | Payouts & split | Payout denied |
| ATFunded | Payouts & split (pre-pause) | Payout denied |
| Atmos Funded | Payouts & split | Payout denied |
| Audacity Capital | Payouts & split | Payout denied |
| Blue Guardian | Payouts & split | Payout denied |
| Blueberry Funded | Payouts & scaling | Payout denied |
| Blueberry Futures | Payouts, split & live milestone | Payout denied |
| Breakout | Payouts & split | Payout denied |
| City Traders Imperium | Payouts & split | Payout denied |
| Crypto Fund Trader | Payouts, split & scholarship framing | Payout denied |
Know the rule? Put it to work on a Top One Trader account.
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Informational only — not financial advice, not affiliated with Top One Trader. Verify against official terms before relying on this. Last reviewed Jun 5, 2026.
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