Side-by-side comparison
FundedNext vs Topstep
Rules, drawdown model, fees, and trading conditions compared side by side. Data verified from official sources.
FundedNext vs Topstep: Full Comparison
| Rule | | |
|---|---|---|
| Drawdown | Varies Varies by model: the flagship Stellar 2-Step uses a 10% static (balance-based) max loss; other models (Express, Futures) differ. Full detailVaries by model: the flagship Stellar 2-Step uses a 10% static (balance-based) max loss; other models (Express, Futures) differ. Limits shown are Stellar 2-Step. | EOD trailing EOD trailing max loss: the limit trails up on the end-of-day closing balance, not on intraday unrealised peaks. CME futures accounts. |
| Consistency rule | Varies | Varies |
| Risk per trade cap | Capped 3% max risk ceiling per trade (realized + floating vs initial balance); repeat breaches drop it to a permanent 1% cap. | Capped Scaling Plan caps max contracts by account balance (e.g. $50K = 5 minis / 50 micros); buying power scales with end-of-day balance. |
| News trading | Yes Unrestricted in the challenge; funded accounts keep only 40% of profit made within 5 min of high-impact news. | Yes Allowed in all phases; only bars entering a full max-size position into scheduled major news. |
| Weekend holding | Varies Allowed on most FX/CFD accounts; not on FundedNext Futures. | No Futures day-trading only, positions auto-flatten daily (~3:10 PM CT); no overnight or weekend holds. |
| EAs / bots | Varies Also: >=$50K must trade manually, each EA capped at $300K allocation, identical cross-account strategies banned, and a named blacklist of challenge-passing EAs. Full detailCONTRADICTION: two live articles for the same product disagree. Article 8021061 (Sep 2026) allows EAs on MT4/MT5 below $50K, with a paid non-refundable add-on; article 12673301 (Mar 2026), titled as the rules for the same Stellar 1-Step challenge, says EAs are NOT allowed. The reconciling detail appears to be Match-Trader / USA-relaunch accounts, but neither title says so. Also: >=$50K must trade manually, each EA capped at $300K allocation, identical cross-account strategies banned, and a named blacklist of challenge-passing EAs. | Varies Automation permitted via the TopstepX/ProjectX API; no firm-published statement that the API is the ONLY route. Full detailAutomation permitted via the TopstepX/ProjectX API; no firm-published statement that the API is the ONLY route. Bans VPS/VPN/remote servers outright (all activity must originate from the trader's own device), plus HFT and SIM-fill-exploit algos. |
| Daily loss limit | 5% | - |
| Overall loss limit | 10% | - |
| Profit split | up to 95% Funded split is 80% by default, 90% via the scale-up plan (or the on-demand payout option on 2-Step/Lite), and 95% only with the paid Lifetime Reward add-on. Full detailFunded split is 80% by default, 90% via the scale-up plan (or the on-demand payout option on 2-Step/Lite), and 95% only with the paid Lifetime Reward add-on. The 3-day first-payout option pays 60%. | up to 90% 90/10 on Express Funded Accounts (100% of the first $10K for traders who joined before Jan 12 2026). Full detail90/10 on Express Funded Accounts (100% of the first $10K for traders who joined before Jan 12 2026). Live Funded: up to 100% daily after 30 winning days. Crypto only via CME Micro Bitcoin/Ether futures. |
| Fee refund | Yes Refundable Fee equal to the purchase (or latest reset) fee: paid with the 1st payout on Stellar 2-Step, with the 3rd payout on Stellar 1-Step and Lite. Full detailRefundable Fee equal to the purchase (or latest reset) fee: paid with the 1st payout on Stellar 2-Step, with the 3rd payout on Stellar 1-Step and Lite. Plus a 15% reward on the challenge profit target once scale-up criteria are met. | No Subscription-based pricing, not one-time fee. |
| Platforms | MT4, MT5, cTrader, Match-Trader | TopstepX |
| Assets | Crypto, FX, Indices, Metals, Stocks | Futures, Indices |
| Account sizes | $5K, $10K, $25K, $50K, $100K, $200K | $50K, $100K, $150K |
| Payout methods | - | - |
Last verified: 2026-09-29 (FundedNext), 2026-09-29 (Topstep). Always verify current terms on each firm's official site before purchasing.
Also consider·VelotradeMulti-asset prop trading,
one account for all markets.
Multi-asset · Hong Kong · Est. 2016
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