Seacrest Markets vs Top One Trader - Prop Firm Comparison (March 2026)
Head-to-head comparison of Seacrest Markets and Top One Trader. Check max funding, profit splits, daily and overall drawdown rules, leverage, tradable assets, payout frequency, payment and payout methods, trading permissions and KYC restrictions before you buy a challenge. Data refreshed March 2026.
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Seacrest Markets
Seacrest Markets (formerly MyFundedFX) is a broker-backed prop evaluation program offering MT5 and Match-Trader simulated challenges with no time limits, up to $400,000 total simulated value across active accounts, 80% profit split on Live Sim accounts (with VIP tiers up...
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Top One Trader
Top One Trader is a fast-growing prop firm offering simple 1-step and 2-step evaluations plus instant funding and Instant Prime accounts, with low-cost challenges, straightforward rules, EquityShield risk protection and profit splits that can reach 100% while scaling up to...
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| Overview | ||
| Trustpilot Rating | 3.3 | 4.5 |
| Trustpilot Reviews | 1 | 3,012 |
| Headquarters | South Africa | United States |
| Age (Years) | N/A | N/A |
| Max Funding | $400,000 | $5,000,000 |
| Profit Split Start | 80% | 60% |
| Profit Split Max | 92.75% | 100% |
| Platforms | mt5 match-trader | MT5 cTrader Match-Trader TradeLocker |
| Assets | FX Metals Indices Energy & Commodities Crypto | FX Metals Indices Commodities Crypto |
| Leverage | ||
| FX Leverage | 30 | 50 |
| Metals Leverage | 10 | 10 |
| Crypto Leverage | 2 | 2 |
| Risk & Drawdown Rules | ||
| Max Daily Loss | Maximum Daily LossDaily loss limits depend on plan: 4% (1-Step), 5% (2-Step), 4% (3-Step). | Maximum Daily LossDaily loss limits at Top One Trader are simple but strict: 1-Step and 2-Step accounts usually have a 4% daily loss cap, Instant Funding has a 3% daily loss limit and Instant Prime applies an even tighter 2.5% profile tied to the ESS metric.The daily limit is generally calculated on equity and includes both closed and floating losses; if equity falls beyond the allowed percentage in a single day, the account is considered in breach even if the loss is later recovered. |
| Max Total Loss | Maximum Overall Loss6% trailing (1-Step), 8% static (2-Step / 3-Step). | Maximum Overall LossOverall loss caps depend on the program: 1-Step FLASH uses a 7% trailing max drawdown, 2-Step PRO uses an 8% static max loss from the starting balance, Instant Funding runs with a 6% trailing drawdown and Instant Prime typically keeps a 5–6% trailing max loss.For trailing accounts, the max loss tracks the highest equity until a payout is taken, at which point the level locks at the initial balance; breaching the max loss at any time results in losing the account. |
| Drawdown Type | Equity-based (Trailing on 1-Step; Static on 2-Step/3-Step) | Drawdown ModelTop One Trader combines static and trailing drawdown models. 2-Step PRO accounts use a simple static 8% max loss from starting balance, while 1-Step FLASH, Instant Funding and Instant Prime rely on trailing max drawdown that follows peak equity and then locks at the starting balance when a payout is requested (Lock Upon Payout rule).The EquityShield risk engine helps enforce these limits by monitoring symbol-level and overall open risk and automatically closing trades if thresholds are exceeded. |
| Payouts | ||
| Payout Frequency | Payouts every 14 days (VIP tiers faster). | Payout Frequency1-Step and 2-Step challenge accounts pay out bi-weekly by default, with add-ons available for weekly or instant payouts after the first withdrawal. Instant Funding normally pays monthly, while Instant Prime offers bi-weekly payouts, again with minimum profit of 2% of the initial balance required to request a withdrawal.Profit splits typically start at 80–90% on challenge accounts, 60% on Instant Funding and 80% on Instant Prime, stepping up over successive payouts until they reach as high as 90–100% for long-term, consistent traders. |
| Days to First Payout | 14 | 30 |
| Payout Processing Time | Processing 12–72 hours. | Payout ProcessingPayouts are requested through the Top One Trader dashboard and are routed via Rise (Riseworks) to bank transfer or cryptocurrency. Approved withdrawals are often processed within about 24 hours, although exact timing can vary with the chosen method, weekends and additional compliance checks. |
| Payout Methods | Crypto RiseWorks | Bank Transfer Crypto via Rise (Riseworks) |
| Payments | ||
| Payment Methods | Credit/Debit Card Crypto Apple Pay | Credit Card Crypto |
| Trading Permissions | ||
| News Trading | News trading restricted on Live Sim (±3 minutes). | News trading rules depend on the program. Evaluations are typically more flexible, but on funded and instant accounts it is prohibited to open, modify or close positions within 5 minutes before or after designated high-impact news on the affected instrument. Instant Prime provides more flexibility when combined with relevant add-ons, but bracket-style and pure spike-catching news strategies are still not allowed. |
| Weekend Trades | Weekend trading allowed. | Overnight and weekend holding is allowed on 1-Step FLASH and 2-Step PRO accounts subject to normal swap charges. Instant Funding accounts require a weekend add-on to hold trades over the close; without it, positions should be closed before markets shut to avoid soft or hard breaches. |
| Copy Trading | Copy trading allowed for own strategies only. | Manual copy trading is allowed only between your own challenge accounts on supported platforms, and not on funded or instant funded accounts. Copying between different users, mirroring trades across large groups of accounts or hedging between accounts and firms is prohibited. Violations can lead to profit removal, account resets or termination. |
| EA Allowed | EAs allowed on MT5 only. | Expert Advisors are allowed on 1-Step FLASH and 2-Step PRO evaluation accounts provided they are customised to the trader, fully disclosed and not commercial grid, martingale, latency or arbitrage systems. EAs are not permitted on funded and instant accounts, where trading is expected to be manual or semi-manual under the firm’s risk rules. |
| KYC & Restrictions | ||
| KYC Required | Yes | No |
| KYC Stage | KYC required at Live Sim stage. | Top One Trader applies standard KYC and AML checks. Traders must complete identity verification and, where required, provide proof of address or other documents before receiving funded accounts and before withdrawals are processed through Rise and other payment providers. |
| Restricted Countries | Cuba Iran Lebanon Syria North Korea Libya Russia Sudan Somalia South Sudan Vietnam United Arab Emirates Hong Kong Belarus Myanmar Central African Republic Democratic Republic of Congo Congo Ethiopia Nicaragua Venezuela Yemen Philippines Kenya Algeria Morocco United States | Afghanistan Albania Algeria Armenia Azerbaijan Crimea (Region of Ukraine) Cuba Iran Iraq Kazakhstan Kuwait Lebanon Libya Macedonia Morocco Pakistan Russia Somalia Sudan Syria Turkey Ukraine Vietnam |