Top One Futures’ Instant Sim Funded Program is designed for traders who want to skip the evaluation phase and start trading immediately with a funded simulation account. This program offers fast access to capital, along with structured risk management rules to promote long-term consistency and success. Here’s a complete breakdown of how it works:
📌 Which rules apply to your account?
Purchased before July 27, 2026? Your account falls under our original parameters. Look for the (purchased before 7/27/2026) sections below.
Purchased on or after July 27, 2026? Your account falls under the updated Instant Sim Funded 2.0 rules. Look for the (purchased on and after 7/27/2026) sections below.
1. No Evaluation, Instant Access
The Instant Sim Funded Program gives traders immediate access to a sim-funded account, no need to pass an Evaluation first. You choose your account size and can begin trading right away under real market conditions with built-in risk parameters.
2. Drawdown Rules:
Max Trailing Drawdown
It trails your highest closed balance but never moves down.
If your balance falls below the trailing drawdown level, the account is breached and closed.
Instant Sim Funded (purchased before 7/27/2026): Starting Max Drawdown by Account Size:
$25,000 → $1,000
$50,000 → $2,000
$100,000 → $3,000
$150,000 → $4,500
Instant Sim Funded 2.0 purchased on and after 7/27/2026): Starting Max Drawdown by Account Size:
$25,000 → $1,000
$50,000 → $2,000
$100,000 → $4,000
$150,000 → $5,250
3. Drawdown Lock
Once your profits reach the drawdown amount plus $100, your trailing drawdown locks at $100 above your starting balance and no longer follows account growth. This provides more stability and reduces the risk of losing access to the account as you scale.
Examples:
$50K account → Lock occurs at $52,100; drawdown locks at $50,100.
$100K account → Lock occurs at $104,100; drawdown locks at $100,100.
This lock also activates after your first payout.
4. Daily Loss Limit (DLL)
The Daily Loss Limit is set between 2.0% – 2.5% of your initial account balance for legacy accounts. This drawdown parameter helps manage risk and promotes responsible trading habits. Exceeding this limit will result in an account breach.
Here is the Daily Loss Limit breakdown by account size:
Instant Sim Funded Daily Loss Limit (purchased before 7/27/2026):
Account Size | Daily Loss Limit (DLL) |
$25,000 Instant Sim Funded Account | $625 |
$50,000 Instant Sim Funded Account | $1,250 |
$100,000 Instant Sim Funded Account | $2,500 |
$150,000 Instant Sim Funded Account | $3,750 |
Instant Sim Funded 2.0 Daily Loss Limit (purchased on and after 7/27/2026):
Account Size | Daily Loss Limit (DLL) |
$25,000 Instant Sim Funded Account | $625 |
$50,000 Instant Sim Funded Account | $1,250 |
$100,000 Instant Sim Funded Account | $2,500 |
$150,000 Instant Sim Funded Account | $3,000 |
5. Consistency Rule: To be eligible for a payout, your consistency score must be 20% or lower
To qualify for payouts, your trading must reflect steady, disciplined performance. No single day’s profit may exceed 20% of your total profits.
After a payout is taken from an Instant Sim Funded account, the consistency score is reset, and the consistency rule is then applied to new profits moving forward. This ensures that traders demonstrate steady performance rather than relying on one or two highly volatile trading sessions.
All the information regarding the consistency rule on Instant Sim Funded Accounts can be found here.
Example: If your total profit is $10,000, no single trading day should exceed $2,000 in profit.
This rule encourages balanced trading instead of relying on a single high-risk session.
Please Note: For the purposes of consistency rule calculation, a trading day ends at 5:00pm EST.
6. No Contract Scaling Requirements
There are no scaling rules in the Instant Sim Funded Program. You are allowed to use the full contract limit for your account size from day one. Choose an account size that fits your trading style and strategy.
7. Maximum Payout Caps on Instant Sim Funded Accounts
The maximum amount you can withdraw in a single payout is based on your account size:
Instant Sim Funded Accounts (purchased before 7/27/2026)
$25,000 Account – Max $1,500 per withdrawal
$50,000 Account – Max $2,500 per withdrawal
$100,000 Account – Max $3,000 per withdrawal
$150,000 Account – Max $3,500 per withdrawal
Instant Sim Funded Accounts 2.0 (Purchased on and after 7/27/2026)
$25,000 Account – Max $1,000 per withdrawal
$50,000 Account – Max $2,000 per withdrawal
$100,000 Account – Max $2,500 per withdrawal
$150,000 Account – Max $3,000 per withdrawal
For more details, you can find additional information about the Maximum Payout Limits here.