Over vs Topstep
How a $50,000 Topstep Trading Combine compares with a $50,000 Over mission. Topstep's smallest Combine is $50,000.
How each one works
Topstep is a futures prop firm. You trade the Trading Combine, then move to an Express Funded Account.[1] Over is an instant-funded perpetual prop firm for stock and crypto perps. No evaluation: hit the target and you're paid.
Where Over is ahead
What you pay, and what it takes to get paid
Topstep charges $49 a month for the Combine, plus a one-time $149 activation fee when you pass on the standard path.[2] The Combine asks for $3,000, and your best day must stay at or under 55% of it.[1][6] Then you trade an Express Funded Account, and you can request a payout after 5 winning days of $150 or more.[3] Over charges $649 once for $50,000, and it's instant funded. No monthly fee, no activation fee, no trading fees. You make 8% ($4,000) in realised profit within 120 hours, across at least 5 sectors, and you're paid in USDC within 24 hours of approval.[5][4] No winning-days count to clear first.
How you fail
Topstep's maximum loss is $2,000. It trails your end-of-day balance, not your intraday high, and locks once it reaches $50,000.[7] A $1,000 daily loss limit is optional; you choose it at checkout.[8] Over's floor is static, 5% below your $50,000 start, at $47,500. Its daily limit is 3% of the account, $1,500, from each day's opening balance.[5]
Two example 120-hour runs on a $50,000 account. White is the balance, the iridescent line is Over's floor, and red is Topstep's limits. On a calm run Over's floor sits higher, because it starts 5% below you. On a winning run with one bad day, a daily limit can end the run while you're still up. Over's floor stops at your start, so it can't.
How you get paid
At a glance
| Over | Topstep | |
|---|---|---|
| Fee | $649, one time | $49 a month. A one-time $149 activation fee when you pass.[2] |
| Markets | Stock and crypto perps | Futures on CME, CBOT, NYMEX and COMEX.[1] |
| Rounds | Instant funding. No evaluation | 1 Combine, then an Express Funded Account.[1] |
| Profit target | +$4,000 (8%) | +$3,000.[1] |
| Max loss | 5%, static: floor at $47,500 | $2,000, trailing on your end-of-day balance. Locks at $50,000.[7] |
| Daily loss limit | 3% of the account, $1,500, from the day's opening balance. Resets at 00:00 UTC | Optional. $1,000 if you choose it at checkout.[8] |
| Consistency | Trades in at least 5 sectors | Your best day must stay at or under 55% of the target. Above that, the target rises.[6] |
| Split | 80%, or 90% with the upgrade | 90%.[3] |
| First payout | When you pass. Paid within 24 hours of approval | After 5 winning days of $150 or more, on the standard path.[3] |
| Paid in | USDC on Solana | ACH, wire, Aeropay or Wise.[3] |
Which one fits you
Trade futures and want a 90% split? Topstep. Want one fee, stocks or crypto perps, and a payout for passing? Over.
Sources
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