Top One Trader Payout Policy

Minimum withdrawal is stated as '2% from your initial balance' and the drawdown as 7% — both by_size maps are that stated percentage applied to each size, not separate published figures. There is no per-request dollar cap; the binding ceiling is the firm-wide $25,000 of net profit and total withdrawals per rolling 30 days across all of a trader's accounts. Funded accounts also cap daily profit at 3% of the funded starting balance. Challenge fee refunds were withdrawn on 5 February 2026: 'New 1-Step, 2-Step and 2-Step "PLUS" challenge accounts will no longer be eligible for a challenge fee refund on the first payout.' Instant Funding and Instant Prime never carried one, and Nova's activation fees are stated to be non-refundable.

The per-request cap is quoted verbatim as 'Each payout request is limited to 6% of the account size, up to a maximum of $15,000 per payout request' — the 6% is of the account SIZE (the initial balance), not of profit or equity, hence pct_of: balance. The 9% max loss is static and never trails. Each funded profitable day requires a 0.5% net gain on the initial balance. Challenge fee refunds were withdrawn on 5 February 2026: 'New 1-Step, 2-Step and 2-Step "PLUS" challenge accounts will no longer be eligible for a challenge fee refund on the first payout.' Instant Funding and Instant Prime never carried one, and Nova's activation fees are stated to be non-refundable. The $300K minimum withdrawal ($9,000) applies the firm’s own stated 3%-of-profit rule; its published "$150–$4,500 by size" range only illustrates the $5K–$150K tiers. First-payout timing is set to 14 days to match its own bi-weekly cadence and its 14-day-cadence siblings; the firm never states it explicitly.

The split is not flat: it starts at 60% and steps up 10 points per payout to a 90% ceiling, so the base pct is the first-payout figure. Minimum withdrawal and drawdown by_size are the stated 2% and 6% applied to each size. There is no per-request dollar cap; the binding ceiling is the firm-wide $25,000 per rolling 30 days across all accounts. Weekend holding requires a paid add-on.

The split starts at 80% and steps up 10 points per payout to 100%, or upgrades to 100% immediately via a checkout add-on. Accounts purchased before 25 Oct 2025 had no daily loss limit at all; the 2.5% hard limit applies from that date. A separate soft 'Daily Pause' stops trading for the rest of the day at 2.5% intraday drawdown without breaching. Weekend holding and news trading each require a paid add-on. Consistency is the firm's Equity Stability Score: (largest winning day + largest losing day as an absolute value) ÷ total profit × 100 must be 20% or lower, stored as {"rule":"ess","pct":20}.

Funded drawdown is 5% of the account size (the by_size map is that percentage applied); the evaluation carries 6% and no daily loss limit at all. Requesting a payout locks the drawdown at the funded starting balance, after which it no longer trails. There is no per-request dollar cap; the binding ceiling is the firm-wide $25,000 per rolling 30 days across all accounts. Challenge fee refunds were withdrawn on 5 February 2026: 'New 1-Step, 2-Step and 2-Step "PLUS" challenge accounts will no longer be eligible for a challenge fee refund on the first payout.' Instant Funding and Instant Prime never carried one, and Nova's activation fees are stated to be non-refundable. Consistency is the firm's Equity Stability Score: (largest winning day + largest losing day as an absolute value) ÷ total profit × 100 must be 20% or lower, stored as {"rule":"ess","pct":20}. The funded drawdown follows highest equity per the dedicated NOVA Max Drawdown Rule article. First-payout timing is set to 14 days to match its own cadence; the firm never states it. The funded 3% daily loss limit appears only on the live pricing table — no NOVA article mentions it, and the Account Overview states there is none — and its breach severity is set to hard to match every other Top One Trader product.