Top One Trader vs RZR Funded

Top One Trader and RZR Funded side by side on price, rules and payouts.

2 firms compared Updated 5 November 2026

Change Firms
Cheapest challenge, Top One Trader
$7
Biggest max. allocation, Top One Trader
$1M

At a Glance

2 firms
TrustpilotNot listed4.4
CountryKMLC
Cheapest challenge$7NOVA (pay after you pass, activation fee $165 after passing), $25KCheapest$13Instant24, $2K
Max. allocation$1MBiggest$200K
Programs
Instant Prime, Instant Funding, Magnum (limited time instant account), NOVA (pay after you pass, activation fee $165 after passing), NOVA (pay after you pass, activation fee $275 after passing), NOVA (pay after you pass, activation fee $550 after passing), NOVA (pay after you pass, activation fee $880 after passing), NOVA (pay after you pass), NOVA (pay after you pass, activation fee $59 after passing), NOVA (pay after you pass, activation fee $99 after passing), Flash, X-DAILY (Launchpad), Pro V2
Instant24, Instant Lite, Instant Funding, Express, Enhanced, EnhancedX, Endurance

Trading Rules

Each firm’s daily and maximum loss limits, as the firm sets them. Each firm’s profile says how its limits are measured.

2 firms
Daily loss limitAcross the firm's programsNone to 4%2% to 6%Most room
Max loss limitAcross the firm's programs4% to 9%3% to 10%Most room
Daily drawdown
Percentage of initial balance measured from the higher of balance or equity at 5pm EST: 4% on Flash and Pro V2, 3% on Instant Funding and NOVA funded, 2.5% on Instant Prime; no daily limit in the NOVA evaluation
Calculated at 00:00 server time from the higher of balance or equity: 5% on Express and Enhanced, 4% on EnhancedX and Endurance, 6% on Instant Funding, 3% on Instant Lite and 2% on Instant24.
Max drawdown
Trailing on One Step Flash (7%), NOVA (6% evaluation, 5% funded), Instant Funding (6%) and Instant Prime (5%), locking at the starting balance; static 9% on Two Step Pro V2
Express: 6% trailing the closed balance until it locks at the starting balance. Enhanced (10%), EnhancedX (8%) and Endurance (8%): static from the starting balance. Instant Funding: 6% trailing on balance, locking at the starting balance. Instant24: 3% trailing the closed balance high watermark. Instant Lite: 5% trailing the closed balance until 5% profit is reached, then locked at the starting balance. On Express, Enhanced and Instant Funding the first withdrawal locks the limit at the starting balance.
Minimum trading days3 profitable days of at least 0.5% on Flash and Pro V2; none on NOVA and instant accounts
None on Express and EnhancedX. Enhanced: 3 profitable days of at least 0.5% per stage and per payout cycle. Endurance: 3 trading days per stage. Instant Lite: 5 profitable days of at least 0.5% per payout cycle. None on Instant Funding and Instant24.
Time limitNo time limit; at least one trade every 30 days or the account is breachedNo time limit on challenges; Instant24 runs for 24 hours from the first trade.
News trading
Allowed during evaluations; on funded accounts no trades may be opened or closed from 5 minutes before to 5 minutes after high impact news; Instant Prime allows news trading with an add on; not allowed on Instant Funding
No restriction during challenges. On funded Hantec Trader accounts, trades cannot be opened or closed from 3 minutes before to 3 minutes after red folder news on Forex Factory. Instant Lite and Instant Funding offer news trading as a paid add on.
Overnight and weekendsOvernight and weekend holding allowed on Flash, Pro V2 and NOVA; Instant Funding and Instant Prime need a weekend holding add on
Weekend holding allowed on Express, Enhanced, EnhancedX and Endurance. Instant Funding positions must be closed by 23:45 GMT+3 on Friday unless the weekend add on is bought. Crypto can be traded at weekends.
EAs and copy trading
Own unique EAs allowed during challenges only; EAs, bots and external API tools not allowed on funded or instant accounts; copy trading only between own challenge accounts; third party copy services and commercial EAs prohibited; HFT and martingale prohibited
Expert Advisors are allowed on challenge accounts and the funded accounts that follow, provided they avoid the prohibited strategies list; EAs and robots are not allowed on Instant Funding. Copy trading rules sit in the prohibited strategies page, which was not reviewed.
Consistency rule
None on Flash and Pro V2; 15% consistency rule on Instant Funding; 20% Equity Stability Score on Instant Prime and NOVA funded accounts
None on Express, Enhanced, Endurance and Instant Funding. EnhancedX: best day no more than 35% of total profit, based on end of day equity. Instant Lite: best day no more than 20% of total profit. Instant24: no single trade more than 15% of total profit. Funded accounts also have a 3% maximum open loss (1% on Instant24 and Instant Lite).

Payouts

When and how each firm pays once you are funded.

2 firms
Profit split60% to 100% depending on program and payout number; add ons raise the split on Flash, Pro V2 and NOVA80% by default on challenge accounts, 95% with a paid add on; instant accounts advertise up to 95%
First payout
14 days after funding on Flash, Pro V2 and Instant Prime; 30 days on Instant Funding; 2% processing fee on all payouts; $25,000 cap per trader per rolling 30 days on most programs
First reward can be requested 14 days after the first trade on the funded account, or on demand with an add on. The firm promises approval within 24 business hours or it doubles the reward, up to $1,000, and states an average payout time of 10 hours.
Payout frequencyEvery 14 days on Flash, Pro V2 and NOVA (weekly with add on) and on Instant Prime; every 30 days on Instant FundingEvery 14 days, or every 7 days with an add on; Instant24 pays once its 24 hour period ends
Minimum payout2% of initial balance (3% on Two Step Pro V2)$20 on most accounts; on EnhancedX at least 2% of the starting balance, and on Instant24 at least 3% profit
Payout methodsRise (bank transfer or cryptocurrency)
PayPal, Crypto (USDT, USDC, ETH and BTC), Bank transfer (SWIFT and SEPA), Pix and local methods in Latin America, Africa and Asia Pacific

Platforms and Markets

2 firms
Platforms
  • MT5
  • Match Trader
  • TradeLocker
  • Platform 5
Markets
  • FX
  • Indices
  • Metals
  • FX
  • Indices
  • Metals
  • Other Commodities
  • Crypto
Leverage
One Step Flash 10:1 on forex; Two Step Pro V2 100:1 in evaluation and 50:1 funded on forex; Instant accounts 50:1; NOVA 100:1 in evaluation and 30:1 funded on forex; lower on indices, metals and crypto
Up to 1:50 on major forex pairs (1:33 on USDCHF) per the product specifications; bullion 1:10, indices and commodities 1:15, crypto 1:1
Scaling plan
25% of initial balance added after a 25% gain over 3 months with at least 8% each month, up to $5,000,000; maximum initial allocation $600,000 per person or household (Pro V2 scaling up to $2,000,000)
Traders move up by passing the challenge at the next account size at no extra cost, from $2,000 to $200,000, with add ons carried over. Combined funded accounts are capped at $400,000 of simulated allocation. Available on 1, 2 and 3 step challenges.

Rules and prices as each firm lists them on its profile here. Firms change their rules often, so check the firm's own site before you buy. We may earn a commission if you buy through our links. Firms cannot pay to change our ratings.