OneUp Trader vs Topstep
Every rule that actually affects your account — drawdown, daily loss, consistency, payout split, news, platforms — with a clear winner per category.
Rule by rule
Green = winner on that row. Ties show as "—".
| Rule | OneUp Trader | Topstep | Winner |
|---|---|---|---|
| Drawdown type | Trailing | Trailing | Topstep |
| Daily loss limit | None | Optional add-on since April 14, 2026 ($1K/$2K/$3K by size). Always mandatory on Live Funded. | OneUp Trader |
| Payout split | 100% of first $10K then 90/10. No monthly funded fees. | Post-Jan 2026: 90/10 from day one. Pre-Jan 2026: 100% first $10K then 90/10. | — |
| Min trading days | 10 | 0 | Topstep |
| Consistency rule | STRICT: Best day x 80% must be <= sum of 3 other best days' profits. | Combine: 50% (best day < 50% of total). Funded Standard: none. Funded Consistency tier: 40%. | — |
| News trading | No | Yes | Topstep |
| Weekend holding | No | No | — |
| Copy trading | Yes | Yes | — |
| Platforms | Rithmic, NinjaTrader (free license when funded), Sierra Chart, Quantower, Bookmap, Jigsaw | TopstepX (all new accounts), Quantower (exception) | — |
Real talk
What traders actually experience beyond the marketing copy.
Reliable, no-drama firm. 100% first $10K, no monthly fees, no activation fee. But: strictest consistency in the industry, Rithmic only (no Tradovate), 10-sec hold, no trading 3:15-5 PM CT, news restricted on funded.
Trailing drawdown that locks at starting balance is good. No DLL is a plus. But drawdown is only 3.5% on $100K ($3,500) - tighter than many competitors.
100% on first $10K is solid. No monthly funded fees. Weekly payouts. $0 activation. But the strict consistency rule means many traders can't get funded despite hitting the profit target.
Strictest consistency rule in the industry. Rithmic only - no Tradovate. News restricted on funded (1 min buffer). No trading 3:15-5 PM CT. 10-second minimum hold. Must maintain 50% of eval volume weekly when funded.
Most established firm. Free resets are huge. Automated trading allowed on TopstepX. But: all new accounts forced to TopstepX (no NinjaTrader/Tradovate choice). Post-payout MLL reset is dangerous. Scaling starts at only 2-3 contracts on funded.
EOD trailing is fair - intraday swings don't move the floor. Locks once profit exceeds drawdown amount. CRITICAL: After a payout, your MLL resets to $0 - one bad day right after withdrawing can blow the account instantly.
90/10 from day one for new traders. Post-payout MLL reset to $0 is the biggest hidden risk. Free resets are genuinely valuable. Back2Funded ($599-829) lets you revive a blown funded account.
After payout, MLL resets to $0 - extremely vulnerable. New accounts TopstepX only (no NinjaTrader/Tradovate). Funded starts at 2-3 contracts (must scale up). VPS/VPN usage PROHIBITED. Positions must close by 3:10 PM CT. $30 ACH payout fee.
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