How Topstep reduced trader payouts from 3 days to 9 seconds

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Topstep is a leading futures prop trading firm that helps traders qualify for and trade with firm capital. Since 2012, Topstep has paid out more than $1.5 billion to traders while building one of the most recognized brands in funded trading.

With the trading experience at the core of their mission, Topstep’s latest focus has been on reducing the time between payout approval and settlement. As digital experiences become increasingly instant, traders expect fast, easy access to their earnings once payouts are approved.

Maximizing payout speed

To continue investing in the trader experience, Topstep enabled Instant Payouts with Aeropay. This allows traders to connect a financial account and receive approved payouts in as little as 9 seconds instead of waiting up to 3 days.

Faster payouts

Once a payout is approved, Aeropay’s Payout functionality enables eligible traders to receive funds in as little as 9 seconds using RTP® and FedNow® rails. The experience is integrated directly into Topstep’s existing workflow, giving traders visibility into payout status while reducing the uncertainty traditionally associated with ACH transfers.

Simpler bank connections

Before Aeropay, Topstep’s payout setup required traders to manually enter bank details, creating friction and increasing the risk of failed or incorrect account verification. As payout expectations became increasingly instant across digital products, Topstep wanted a faster and more seamless way for traders to connect their bank accounts to receive earnings.

With Aerosync, traders connect any bank or credit union in as fast as 10 seconds through a trusted, one-time flow. 

Happier traders

For Topstep traders, faster payouts create a more immediate connection between trading performance and access to earnings. Instead of waiting multiple business days for payouts to settle, traders can receive approved funds instantly.

The Aeropay rollout quickly generated positive feedback across Topstep’s trading community, with traders sharing screenshots of payouts arriving seconds after approval and comparing the experience favorably against other prop firms.