Our Instant Funding option is designed to provide immediate access to our simulated funded accounts, allowing you to start trading with a simulated funded account right away.
Key limits: 6% max trailing drawdown and 3% daily loss limit (both hard breaches), 15% consistency score, maximum 10 soft breaches, and a trade at least once every 30 days.
How It Works
Feature | Details |
Immediate Access | Unlike traditional funding processes, there is no waiting period or demo phase. You receive capital right from the start, allowing you to focus on trading. |
Full Ownership of Profits | As soon as you start, you have full ownership of any profits you make (in line with our profit split), giving you the flexibility to scale and grow based on your performance. |
Clear Guidelines | With Instant Funding, there are specific guidelines to follow, but no challenge or evaluation phases are needed. This provides a streamlined way to access funds without delay. |
Instant Funding Account Rules (Simulated)
Rule | Details |
Max Trailing Drawdown | 6% of initial balance (hard breach). Learn how it works |
Daily Loss Limit | 3% of initial balance (hard breach). Learn how it works |
Consistency Score | Must remain at 15% or below. Effective for accounts purchased on or after October 14, 2025. 15% Consistency Rule |
Soft Breaches | You are limited to a total of 10 soft breaches. Soft Breach Rules |
Examples of soft breaches:
Soft Breach | What Happens |
No Stop Loss | Trades without an active SL are closed automatically (add-on available). Stop Loss Rule |
Max Lot Size | Exceeding the lot size limit closes all trades. Max Lot Size Rule |
Weekend Holding | Not allowed. We offer a weekend holding add-on that allows you to bypass this restriction. Weekend Holding Rule |
Trading Rules
Rule | Details |
Trading Period | Unlimited, no time limit to complete |
Inactivity Rule | You must place a trade at least once every 30 days (hard breach). More information |
Stop Loss | Required for each trade unless an add-on is purchased (soft breach). More information |
Expert Advisors (EAs) | EAs are not allowed on the Instant Funding Account. More information |
Max Lot Size | Max 20% of account size, capped at 20 lots total. More information |
Prohibited Strategies | Make sure you do not violate any prohibited trading strategies. More information |
Payout and Maximum Trailing Drawdown Rules
When you withdraw your profits from your Instant Funding Account, Top One Trader will also withdraw its share of the gains. After withdrawal, your maximum drawdown will be locked at your initial balance and remain static regardless of future growth in your account.
To learn more about how payouts and the maximum trailing drawdown work, see When Can I Request a Payout? and Lock Upon Payout.
Trading Platforms & Specifications
Item | Details |
Platforms Available | MatchTrader, MetaTrader 5 and TradeLocker (TradeLocker is not available for $5,000 accounts). See Platform Availability Based on Your Account Size |
MetaTrader 5 | Currently not available for traders in the United States, Canada, U.S. Outlying Territories, or Puerto Rico. |
Assets Available | Available instruments can be found here. No stocks are available for trading. |
Leverage
Asset Class | Instant Funding | Instant Funding (purchased before September 24, 2025) |
FX | 50:1 | 10:1 |
Indices & Metals | 10:1 | 5:1 |
Cryptos | 1:1 | 0.3:1 |
See What are the Leverage Ratios and Calculations for more details.
For any questions or assistance, feel free to contact our support team via live chat or at [email protected].