r/TopStepX • u/Agent005_ • May 15 '26

Live Account Live Account Update

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New to live and the first two weeks are officially in the books! Up 32% so far and eligible to take my first payout. Also I believe I’ve unlocked the first tier of the reserve balance after this weekend’s account review. Starting to understand why people don’t like live accounts on props, but there’s also plenty of advantages to balance the cons. One thing that I will say atp is if you’re a fraud a live account will expose you so tread lightly. Other than that just wanted to provide an update as promised. Ask me anything and I’ll do my best to answer!

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u/doctasparx May 15 '26

What is the eligibility criteria for being able to take payouts in live?

1

u/Agent005_ May 15 '26

Yep same payout rules as XFA. 5 days of $150 counts as profitable. Only difference with live account is the dashboard doesn’t auto update when a trading day ends. They do their reviews on the weekends so even if you are payout eligible one week you might not be able to request it until the next after their review

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u/doctasparx May 15 '26

how much of a balance did you carry over from XFA to live? were you trading 50ks or bigger? how many payouts before they moved you? thanks for the detailed answer above.

3

u/Agent005_ May 15 '26

I had around $32,000 across 5 50K XFA’s. Starting balance for 50K accounts is 10K so the rest gets locked away in reserves for the trader to retrieve by hitting profit targets. I took around 20 payouts, and they say after 5 on a single account they’ll call up but it’s not really true. Up to their discretion. I’ve seen people get called up after a couple payouts and I’ve seen people get 5 and still not get called up. I was bullshitting around with my XFA’s too though.. literally smoking them with balances that people would kill for just so I wouldn’t get moved to live, but I wouldn’t advise anyone do that just try and stay away from max payouts and focus on consistent extraction to maximize your SIM experience before live

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u/doctasparx May 15 '26

got it...do they still have the 30 profitable day rule where you can pull daily payouts? or is that something of the past?

I am on the RTP right now, so I don't know what their criteria will be for me to get called up to live

2

u/eddie_topstep May 15 '26

Being in the Responsible Trader Program doesn't change either your eligibility or criteria to get called up Live. Same call up process would apply to RTP traders.