The best payout policy in the industry now delivers instant payouts with Aeropay
Topstep has integrated Aeropay’s instant payout technology, allowing approved U.S. traders to receive funds in seconds rather than days.
Topstep, a leading prop trading firm, has partnered with Aeropay to offer instant payouts to its funded traders. The integration allows approved withdrawals to be sent directly to a trader’s U.S. bank account in seconds, a significant upgrade over traditional settlement times.
The firm has paid out over $1.4 billion to traders to date, according to its own data. Topstep says it has distributed more money to more traders than any competitor in the industry, based on estimated payout figures for 2025.
Aeropay is a pay-by-bank solution built specifically for moving money quickly. Unlike account-linking services such as Plaid, Aeropay uses secure ACH transfers with direct bank connections to minimize delays. Eligible traders can select Aeropay as their payout option, link their bank account, and receive funds upon approval with real-time tracking.
The service works with major U.S. financial institutions including Bank of America, Chase, Wells Fargo, Citibank, and PNC, among others. Availability of instant delivery depends on each bank’s support for real-time transactions.
Topstep’s move positions it as one of the first prop firms to offer instant payouts at scale. The company emphasizes that the faster payout cycle gives traders quicker access to profits for reinvestment or personal use, without the typical waiting period of several business days.
Source: Topstep