Lucid Trading vs Topstep: payout rules compared
Lucid Trading and Topstep both pay 90%, but Lucid sells four funded-account types while Topstep offers one Express Funded Account with two payout paths. Compare every current Lucid and Topstep funded account at $50K, using each firm's official help center. For other sizes and older versions, see the Lucid Trading and Topstep rule pages.
Rules last checked 2026-10-17 against each firm's official help center. Rule changes · Track your accounts
Key differences
- Split: Lucid pays 90%; Topstep pays 90% on current funded accounts.
- Consistency on payouts: Lucid: none on LucidFlex, LucidDaily; Topstep: none on Topstep Express Funded Account – Standard path.
- Fastest first payout by the rules: LucidDaily: 1 trading day, $2,600 profit. Topstep Express Funded Account – Consistency path: 3 trading days, $252 profit.
Side by side ($50K)
| $50K funded | LucidPro | LucidDirect | LucidFlex | LucidDaily | Topstep Express Funded Account – Standard path | Topstep Express Funded Account – Consistency path |
|---|---|---|---|---|---|---|
| Profit split | 90% | 90% | 90% | 90% | 90% | 90% |
| Payout frequency | No fixed window; any day all criteria are met | No fixed window; any day all criteria are met | No fixed window; any day all criteria are met | Daily when eligible | After every 5 winning days of $150+ | After as few as 3 trading days if the 40% target is met |
| Minimum days per cycle | no fixed minimum, but the 40% consistency rule needs at least 3 winning days | no fixed minimum, but the 20% consistency rule needs at least 5 winning days | 5 days ≥ $150 | No minimum days | 5 days ≥ $150 | 3 trading days |
| Consistency rule | Best day ≤ 40% of cycle profit | Best day ≤ 20% of cycle profit | None | None | None | Best day ≤ 40% of cycle profit |
| Buffer you keep | $2,100 profit (balance $52,100) derived | $100 above the locked drawdown derived | $100 above the locked drawdown derived | $2,100 profit (balance $52,100) derived | None | None |
| Profit goal per cycle | $500 (1st payout) | $3,000 (1st payout) | — | — | — | — |
| Share of profit per payout | — | — | 50% of total | — | 50% of total | 50% of total |
| Minimum payout | $500 | $500 | $500 | $500 | $125 | $125 |
| 1st payout cap | $2,000 | $2,000 | $2,000 | No cap | $2,000 | $3,000 |
| Max payouts per account | — | — | 5 | — | — | — |
| Drawdown | End-of-day trailing; locks at start + $100 once balance exceeds the initial trail balance | End-of-day trailing; locks at start + $100 | End-of-day trailing; MLL moves to the locked balance (start + $100) once you request a payout | Intraday trailing (funded accounts always intraday); locks at start + $100 | Maximum Loss Limit based on highest end-of-day balance; XFA starts at $0 and the MLL locks at $0 (resets to $0 after the first payout) | Maximum Loss Limit based on highest end-of-day balance; XFA starts at $0 and the MLL locks at $0 (resets to $0 after the first payout) |
| Fastest 1st payout* | 3 trading days · $2,601 profit | 5 trading days · $3,000 profit | 5 trading days · $1,000 profit | 1 trading day · $2,600 profit | 5 trading days · $750 profit | 3 trading days · $252 profit |
* Computed by our eligibility engine: the fewest equal winning trading days, and the least total profit, that make a new account eligible under the published rules. Not processing time. Values marked derived are arithmetic on official numbers; unverified could not be confirmed.
More comparisons: all 7 firms · Apex vs Topstep · Lucid vs Tradeify · Apex vs Lucid · Tradeify vs Apex · Lucid vs Topstep
Frequently asked questions
Which pays a higher split, Lucid or Topstep?
Lucid pays 90% and Topstep pays 90% on current funded accounts (checked 2026-10-17). Check the account type, because splits differ by product.
Which is faster to a first payout, Lucid or Topstep?
By the published rules for a new $50K account: LucidDaily needs at least 1 trading day and $2,600 profit; Topstep Express Funded Account – Consistency path needs at least 3 trading days and $252 profit.
Not financial advice. Verify with your firm. FundedPayday is an independent, free tool and is not affiliated with any prop firm. Rules are compiled from each firm's official help center (last checked 2026-10-17) and can change without notice; the firm's own dashboard and agreement always win. Some links may become affiliate links in the future. See our disclosure.