Topstep's Express Funded Account Maximum Loss Limit was breached when the end-of-day closing balance touched or fell below the floor. It is now monitored in real time: if net P&L, realized and unrealized, touches the MLL floor at any point during the session, the XFA is permanently closed. A drawdown that recovers before the close no longer saves the account.
Separately, Back2Funded reactivation, which previously did not apply to Shoulder Tap accounts, is now available for them.
Full rules are on the Topstep firm page.
Before and after
| What changed | Before | After |
|---|---|---|
| XFA Maximum Loss Limit breach | End-of-day closing balance touches the floor | Net P&L (realized and unrealized) touches the floor at any point in the session |
| Back2Funded for Shoulder Tap accounts | Does not apply | Available |
Figures as of 10 November 2026.