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Express Funded Account Information
The Express Funded Account™, sometimes referred to as the "XFA", is the simulated Funded Level account traders earn after passing the Trading Combine. After you’ve passed your Trading Combine and completed the necessary steps, you can start taking Payouts from your Express Funded Account based on our Payout Policy.
Traders are allowed to have up to five (5) Express Funded Accounts active at the same time. Take a look at the full details here: Multiple Express Funded Accounts.
Your Express Funded Account will show as having a $0 balance in your trading platform when you first start trading the account. The total number of contracts you're allowed in the Express Funded Account is determined by the Scaling Plan. Making additional profits will increase the number of contracts you're allowed to trade (up to the former Maximum Position Size from your Trading Combine).
You can take a break from trading your Express Funded Account for less than 30 days at a time. If there is no trading activity (no trades entered) on your Express Funded Account for more than 30 days, it may be subject to closure due to inactivity. It is never possible to put an Express Funded Account on hold. If you are traveling to an ineligible country or dealing with a medical emergency, please reach out to the Trader Support Team for additional assistance.
More information about the Express Funded Account can be found here: Express Funded Account & Live Funded Account FAQ
Starting February 5, 2026, you'll be able to choose between two types of Express Funded Accounts. Read below to learn more about the differences between the Express Funded Account Standard and Express Funded Account Consistency.
Standard Path | Consistency Path |
Current payout policy | New payout option |
5 winning days of $150+ | 3 days with 40% consistency target |
Request 50% of account balance up to $5000 | Request 50% of account balance up to $6,000 |
90/10 split | 90/10 split |
Express Funded Account Standard: Rules and Objectives
Your main objective in the Express Funded Account Standard is to work toward paying yourself by utilizing our simple Payout Policy. Additionally, the Scaling Plan is an objective that must be followed in the Express Funded Account to help protect your account. The Scaling Plan in the Express Funded Account™ replaces the Maximum Position Size in the Trading Combine.
Rules
There is only one (1) rule in Express Funded Accounts:
Do not allow your Account Balance to hit or exceed the Maximum Loss Limit
Objectives
Payout Eligibility: 5 Winning Days of $150+*
Follow the Scaling Plan
Do not hit or exceed the Daily Loss Limit** or your account will be deactivated for that trading day
*As of July 29th, 2025, traders who are on the new dashboard will need to make $150+ for their winning day to count towards eligibility. Traders still on the legacy dashboard will need to make $200+ for a winning day towards payout.
**The Daily Loss Limit is no longer automatically added to Express Funded Accounts in TopstepX. However, you can enable your own Daily Loss Limit from your TopstepX Risk Settings page.
Just like the Trading Combine, the Express Funded Account is traded in a simulated environment, but the key differences between these accounts are important to know.
Consistency Target - There is no Consistency Target in the Express Funded Account Standard.
Profit Target - Unlike your Trading Combine Account, there's no Profit Target in Funded Level Accounts
Express Funded Account Consistency: Rules and Objectives
Your main objective in the Express Funded Account Consistency is to work toward paying yourself by utilizing our simple Payout Policy. Additionally, the Scaling Plan is an objective that must be followed in the Express Funded Account to help protect your account. The Scaling Plan in the Express Funded Account™ replaces the Maximum Position Size in the Trading Combine.
XFA Consistency is a new Express Funded Account (XFA) option designed to reward disciplined, repeatable trading while offering a faster path to payout eligibility. This article explains how XFA Consistency works, how it compares to XFA Standard, and what to expect depending on your trading program status.
Rules
There is only one (1) rule in Express Funded Accounts:
Do not allow your Account Balance to hit or exceed the Maximum Loss Limit
Objectives
Follow the Scaling Plan
Payout Eligibility: 3 days with 40% consistency target
A minimum of 3 trading days
At least one trade per day
This is a shorter window compared to the 5 winning-day minimum under XFA Standard.
Just like the Trading Combine, the Express Funded Account is traded in a simulated environment, but the key differences between these accounts are important to know.
Profit Target - Unlike your Trading Combine Account, there's no Profit Target in Express Funded Accounts.
What Is Express Funded Account Consistency?
XFA Consistency offers an alternative payout policy available after passing a Trading Combine. When you qualify for an Express Funded Account, you can choose between:
XFA Standard – our existing payout rules
XFA Consistency – a new option that introduces a consistency calculation but allows payout eligibility in as few as 3 trading days
Why does the Express Funded Account Consistency exist?
XFA Consistency is designed to encourage strong trading habits that support long-term success. By focusing on balanced performance rather than outsized single-day wins, traders are rewarded for consistency while gaining access to earlier payout eligibility.
What is the Payout Cap in the Express Funded Account Consistency?
The payout cap for XFA Consistency is $6,000. If you earn more than $6,000 during a qualifying window, you may request up to the payout cap once all eligibility requirements are met.
Can I have a mix of both Consistency and Standard Express Funded Accounts?
As long as you are not in our Focused Trader Plan (FTP), you may maintain a mix of XFA Standard and XFA Consistency accounts, up to the overall XFA account limit.
How do payouts affect Consistency?
After a payout is taken, your consistency calculation resets and applies only to profits earned after that payout.
Example Scenario:
First payout window:
Day 1: $5,000 profit
Day 2: $5,000 profit
Day 3: $5,000 profit
Total profit: $15,000
Consistency: 33%
Payout taken: $5,000
Remaining profit balance: $10,000
New payout window begins:
Day 1: $100 profit
Day 2: $100 profit
Day 3: $100 profit
Consistency is now calculated only on the $300 earned after the payout, and eligibility must be met again before requesting another payout.
Please note: Once selected, the Express Funded Account type applies to that account and cannot be changed.