Our editorial team compared every key metric — fees, rules, profit split, payouts — so you can pick the right firm.
| Feature | Seacrest Funded | Top One Trader |
|---|---|---|
| Payout | ||
| Profit Split | 80% (90% with add-on) | Up to 90% |
| First Payout | 5 | 1 |
| Payout Frequency | Every 5 days | Bi-weekly (Weekly on 2-Step, 90-min on Instant) |
| Max Account Size | $100,000 | $200,000 |
Winner: Seacrest Funded
In this independent head-to-head comparison of Seacrest Funded vs Top One Trader, 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.
Seacrest Funded: Payouts Every 5 Days. $10M+ Paid in 2024. No Style Restrictions. Est. 2022.
Top One Trader: 100% Fee Refund on Passing. 90-Min Payouts. Scales to $5M. 4.6/5 Trustpilot.
Based on our independent scoring methodology, Seacrest Funded scores 8.6/10 overall — but the best choice depends on your specific needs. Read the full comparison below.
BestProp Score: Seacrest Funded scores 8.6/10 vs Top One Trader at 8.5/10.
Minimum Fee: Seacrest Funded starts from $50; Top One Trader starts from $59. Seacrest Funded is cheaper at entry level.
Profit Split: Seacrest Funded offers 80% (90% with add-on); Top One Trader offers Up to 90%. Seacrest Funded has the higher split.
Platforms: Seacrest Funded supports MT5, Match Trader; Top One Trader is on TradeLocker, Match Trader, cTrader, MT5.
Tradeable Markets: Seacrest Funded covers Forex, Metals, Energy, Indices, Crypto, Commodities; Top One Trader offers Forex, Indices, Metals, Crypto.
Challenge fees are typically the biggest factor when choosing a prop firm. Here is how Seacrest Funded and Top One Trader compare on pricing.
Seacrest Funded challenge fees start from $50. The firm has operated since 2022. They have funded over 80,000+ traders. Total payouts to date: $10,000,000+.
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+.
On entry-level pricing, Seacrest Funded offers a lower starting fee — an important factor if you are testing with a smaller account first.
Seacrest Funded profit split: 80% (90% with add-on). Top One Trader profit split: Up to 90%. Seacrest Funded delivers the higher cut to traders.
Payout frequency: Seacrest Funded pays Every 5 days; Top One Trader pays Bi-weekly (Weekly on 2-Step, 90-min on Instant). Faster payouts are better for cash flow management.
Here is our full independent review of Seacrest Funded:
Seacrest Funded (formerly My Funded FX, rebranded 2022) was founded in June 2022 and is headquartered in Hong Kong. CEO Matthew Leech leads the platform, which has grown to 80,000+ active traders across 190+ countries. The firm has distributed $10M+ in payouts during 2024 alone, with a record single payout of $74,000+. Trustpilot: 4.3/5 from over 2,700 reviews – a strong combination of volume and score for a firm its age.
Two evaluation tracks are available: a 1-Step and a 2-Step. Maximum combined allocation reaches $400,000, with a scaling path to $1,000,000. Payouts are available every 5 days – among the most frequent payout cycles in the prop firm industry.
1-Step Challenge: A single evaluation phase requiring a 10% net profit target. Daily drawdown: 4%. Maximum drawdown: 6% (trailing – locks at starting balance once account enters profit). Once in the Live Simulated Trader phase (funded), no profit target applies – only risk management rules are enforced. Minimum payout: $65.
Fees: $5K: $50 | $10K: $100 | $25K: $200 | $50K: $300 | $100K: $500
2-Step Challenge: Phase 1: 8% net profit target. Phase 2: 5% net profit target. Daily drawdown: 5%. Maximum drawdown: 8%. More forgiving drawdown rules in exchange for a two-phase path.
No time limit on either track. Inactivity rules apply (confirm with support). No restrictions on trading style.
Platforms: MetaTrader 5, Match Trader. Instruments: Forex, Metals, Energy, Indices, Cryptocurrencies, Other Commodities. Broad instrument coverage with no asset class restrictions noted.
Seacrest Funded earns a 7.5 BestProp score. Three years of operation, $10M+ in 2024 payouts, 4.3/5 Trustpilot from 2,700+ reviews, and a payout cycle of every 5 days (among the most frequent available anywhere) make Seacrest a credible and trader-friendly option. Competitive fees starting at $50 for a $5,000 account, no style restrictions, and a generous 6% trailing drawdown that locks at starting balance on the 1-Step track are further positives.
The main limitations: the 80% base profit split requires a paid add-on to reach 90%, there is no published EA or hedging policy (confirm before using automated strategies), and the maximum base allocation of $400K is lower than several competitors. The Hong Kong headquarters and lack of explicit regulatory details are worth noting for traders who prioritise jurisdictional transparency. Overall one of the more consistently reviewed mid-tier prop firms on the market.
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.
Overall, our independent scoring gives Seacrest Funded the edge in this 2026 comparison. However, both firms have their merits. If Top One Trader 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, Seacrest Funded scores higher overall (8.6/10). The best choice depends on your trading style, preferred instruments, and account size.
Seacrest Funded offers a lower entry-level challenge fee. However, always compare the full account sizes you plan to trade before deciding purely on price.
Seacrest Funded offers the higher profit split. Seacrest Funded: 80% (90% with add-on). Top One Trader: Up to 90%.
EA policies: Seacrest Funded — check the review. Top One Trader — check the review. Always verify the latest policy directly with the firm.
News trading: Seacrest Funded — check the review. Top One Trader — check the review.
Read the full Seacrest Funded review → · Read the full Top One Trader review →
Based on our scoring methodology, Seacrest Funded 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.
Seacrest Funded offers 80% (90% with add-on) profit split, while Top One Trader offers Up to 90% profit split. Check each firm's current terms as these can change.
Check our offers page for the latest verified deals on both firms.
Seacrest Funded processes first payouts in 5 day(s), while Top One Trader takes approximately 1 day(s). Always verify current payout timelines on the firm's website.
Neither Seacrest Funded nor Top One Trader 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.
