Our editorial team compared every key metric — fees, rules, profit split, payouts — so you can pick the right firm.
| Feature | Top One Trader | Audacity Capital |
|---|---|---|
| Payout | ||
| Profit Split | Up to 90% | 50-95% (scales over time) |
| First Payout | 1 | 14 |
| Payout Frequency | Bi-weekly (Weekly on 2-Step, 90-min on Instant) | Bi-weekly (Ability Challenge), Weekly (FTP) |
| Max Account Size | $200,000 | $240,000 |
Winner: Top One Trader
In this independent head-to-head comparison of Top One Trader vs Audacity Capital, we break down challenge rules, pricing, profit splits, and payout conditions to help you decide which prop firm is the better fit for your trading style.
Top One Trader: 100% Fee Refund on Passing. 90-Min Payouts. Scales to $5M. 4.6/5 Trustpilot.
Audacity Capital: One of the oldest prop firms globally, with generous drawdown limits and 12+ years of operation.
Based on our independent scoring methodology, Top One Trader scores 8.5/10 overall — but the best choice depends on your specific needs. Read the full comparison below.
BestProp Score: Top One Trader scores 8.5/10 vs Audacity Capital at 7.8/10.
Minimum Fee: Top One Trader starts from $59; Audacity Capital starts from $49. Audacity Capital is cheaper at entry level.
Profit Split: Top One Trader offers Up to 90%; Audacity Capital offers 50-95% (scales over time). Audacity Capital has the higher split.
Platforms: Top One Trader supports TradeLocker, Match Trader, cTrader, MT5; Audacity Capital is on MetaTrader 5.
Tradeable Markets: Top One Trader covers Forex, Indices, Metals, Crypto; Audacity Capital offers Forex, Metals, Indices.
Challenge fees are typically the biggest factor when choosing a prop firm. Here is how Top One Trader and Audacity Capital compare on pricing.
Top One Trader challenge fees start from $59. The firm has operated since 2023. They have funded over 26,000+ traders. Total payouts to date: $5,000,000+.
Audacity Capital challenge fees start from $49. The firm has operated since 2012. They have funded over 500,000+ traders. Total payouts to date: $250,000,000+.
On entry-level pricing, Audacity Capital offers a lower starting fee — an important factor if you are testing with a smaller account first.
Top One Trader profit split: Up to 90%. Audacity Capital profit split: 50-95% (scales over time). Audacity Capital delivers the higher cut to traders.
Payout frequency: Top One Trader pays Bi-weekly (Weekly on 2-Step, 90-min on Instant); Audacity Capital pays Bi-weekly (Ability Challenge), Weekly (FTP). Faster payouts are better for cash flow management.
Here is our full independent review of Top One Trader:
Top One Trader was founded in 2023 and is headquartered in Sheridan, Wyoming, USA, led by co-CEOs Matt Morris and Brycen Coffman. The firm has distributed $5M+ in verified payouts to over 26,000 traders worldwide and holds a 4.6/5 Trustpilot rating from 712 reviews. Maximum initial account size is $200,000, with scaling potential to $5,000,000 — one of the higher scaling ceilings in the space. Challenge fees are 100% refunded upon successful evaluation completion.
Top One Trader’s flagship differentiator is payout speed: average processing time is 1 hour 44 minutes from approval, with same-day payments across all programs. The platform supports TradeLocker, Match Trader, cTrader, and MT5.
Single-phase evaluation with a 10% profit target. Daily loss: 4%. Max drawdown: 7% trailing. Leverage up to 1:10. No consistency rule. Minimum 3 profitable trading days. Weekend holds permitted. Fee refunded on passing. Up to 90% profit split. Fees: $5K/$59, $10K/$99, $25K/$199, $50K/$265, $100K/$532, $200K/$999.
Two-phase evaluation. Phase 1: 8% target. Phase 2: 5% target. Daily loss: 5%. Max drawdown: 10% static. Leverage up to 1:30. Consistency rule: single best day may not exceed 50% of total profits. Minimum 5 trading days required (vs 3 on Flash). Weekly payouts available. Up to 90% split. Fee refunded on passing. Maximum account size $100,000 (2-Step does not scale to $200K at entry). Fees: $5K/$79, $10K/$125, $25K/$235, $50K/$325, $100K/$699.
No evaluation stage — trader begins in a funded account immediately. No profit target. No daily loss limit. Max drawdown: 6% trailing. Leverage up to 1:50. Consistency rule: best day may not exceed 20% of total profits. Average payout: 90 minutes. Up to 90% split. Weekend holds: 15% of account value maximum. Fees: $5K/$125, $10K/$209, $25K/$392, $50K/$543, $100K/$1,057, $200K/$2,349.
Pay $7 initially, remainder ($165-$275 depending on size) only after passing a light evaluation. 5% profit target, no daily loss limit, only 6% max drawdown. 100% profit split when funded. Available at $25K-$200K. A low-risk entry point for traders who prefer outcome-based fee payment.
cTrader offers the best execution environment with lowest spreads and zero commission on metals and indices.
Platforms: TradeLocker, Match Trader, cTrader, MetaTrader 5. Instruments: Forex (majors, minors, exotics), 15 global indices, Gold, Silver, Bitcoin, Ethereum. Four-platform choice is above average for the industry.
Top One Trader earns a 7.4 BestProp score. Founded in 2023, Wyoming USA. 4.6/5 Trustpilot from 712 reviews is solid for a relatively young firm. The 100% fee refund on successful challenge completion removes a key barrier to entry — traders pay zero net cost to get funded if they pass. The $5M scaling ceiling and sub-2-hour payout average are standout operational strengths. Four supported platforms (including cTrader with institutional-tier spreads) and a genuine Nova pay-after-passing option round out a well-structured offering.
Notable trade-offs: the 50% consistency rule on 2-Step penalises traders who have one outsized day even if their overall P&L is strong. Instant Funding’s 20% consistency rule is similarly restrictive. The 2-Step maximum account of $100K means traders wanting $200K must use the Flash program. Commission applies on all platforms at $2.00-$2.50/lot — factor this into target calculations. Founded only in 2023, so the track record, while promising, remains under three years old.
Here is our full independent review of Audacity Capital:
Audacity Capital was founded in 2012, making it one of the longest-running prop trading firms in the world. UK-registered (Companies House 11652683) under CEO Karim Yousfi, the firm claims over $250 million paid out to traders and 500,000+ funded traders globally — numbers built over more than a decade of operation. The firm offers three programs: the 2-phase Ability Challenge, the 1-step Ability One, and the Funded Trader Program (FTP / Instant Funding).
The Ability Challenge is a two-phase evaluation. Phase 1 requires a 10% profit target with a 7.5% daily drawdown and 15% max drawdown — among the most generous drawdown limits in the industry. Phase 2 requires 5% with tighter 5%/10% limits. The Ability One is a single-phase evaluation with a 10% target, 3% daily, and 6% max drawdown. The FTP (Instant Funding) provides immediate funded access with up to 95% profit split and weekly payouts.
The Ability Challenge uses a trailing drawdown that resets daily when equity hits new highs. This mechanism confuses some traders — the daily limit recalculates at each new equity peak, meaning a trader can technically be in breach even while net-profitable over the full period. Review the drawdown rules carefully before trading.
News trading is allowed on the Ability Challenge without restrictions. The FTP requires a 30-minute waiting period after major economic events. EAs and copy trading are permitted. HFT, cross-account hedging, and martingale strategies are prohibited. Traders from the US, Syria, Iran, and North Korea cannot access the platform.
Ability Challenge payouts are made every 14 days via bank wire, Wise, PayPal, or crypto. The profit split starts at 50-75% on the Ability Challenge and scales to 95% over time. FTP accounts pay weekly at up to 95% immediately.
Trustpilot score is 3.4/5 from 1,067 reviews. While the majority of reviews are positive, approximately 125 are 1-star — prospective traders should review recent trader experiences before committing to the platform.
Overall, our independent scoring gives Top One Trader the edge in this 2026 comparison. However, both firms have their merits. If Audacity Capital better matches your specific trading style, instruments, or preferred platform, it may still be the right choice for you.
Use our comparison table above and review the challenge fees at both firms before making your final decision. Both offer risk-free evaluation programs — the challenge fee is the only money at risk.
Based on our independent scoring, Top One Trader scores higher overall (8.5/10). The best choice depends on your trading style, preferred instruments, and account size.
Audacity Capital offers a lower entry-level challenge fee. However, always compare the full account sizes you plan to trade before deciding purely on price.
Audacity Capital offers the higher profit split. Top One Trader: Up to 90%. Audacity Capital: 50-95% (scales over time).
EA policies: Top One Trader — check the review. Audacity Capital — check the review. Always verify the latest policy directly with the firm.
News trading: Top One Trader — check the review. Audacity Capital — check the review.
Read the full Top One Trader review → · Read the full Audacity Capital review →
Based on our scoring methodology, Top One Trader edges ahead in this comparison. However, the best choice depends on your trading style, preferred platform and account size. Read the full breakdown above for a detailed verdict.
Top One Trader offers Up to 90% profit split, while Audacity Capital offers 50-95% (scales over time) profit split. Check each firm's current terms as these can change.
Check our offers page for the latest verified deals on both firms.
Top One Trader processes first payouts in 1 day(s), while Audacity Capital takes approximately 14 day(s). Always verify current payout timelines on the firm's website.
Neither Top One Trader nor Audacity Capital are regulated in the traditional financial sense — prop firms operate as private companies providing traders access to simulated or real capital. Always read the terms and conditions carefully before participating in any prop challenge.
