📆 Fiat Rails

Refer below for cutoff times for payments with fiat destinations (offramps).

Currency	Rail	Cutoff Time (ET)	Settlement Speed	Notes
USD	Next Day ACH	1:00 PM ET	8:30 AM ET next business day	Bridge submits ACH batches at 1:00 PM ET daily. Transactions sent afterwards are processed the following day. Once sent, ACH transactions can take 1-2 business days for funds to arrive in a customer's bank account.
USD	Same Day ACH	1st window: 9:30 AM ET 2nd window 2: 1:45 PM ET 3rd window 3: 3:45 PM ET	1st window: 1:00 PM ET same day 2nd window: 5:00 PM ET same day 3rd window: 6:00 PM ET same day	Funds will settle at the receiving bank the same day. It depends on the receiving bank whether funds will be available to the customer the same day.
USD	Wire	4:45 PM ET	~1 hour after sending	Transactions after 4:45 PM ET are sent next business day
EUR	SEPA Instant	N/A, it's a 24/7/365 rail	<30 seconds	Dependent on beneficiary bank supporting SEPA instant
EUR	SEPA Credit	9 AM ET	1–2 business days	Used for transactions > €100K
MXN	SPEI	N/A, it's a 24/7/365 rail	<30 seconds	Always-on rail in Mexico

Onramps (fiat to crypto)

Bridge will typically send crypto within minutes of fiat landing in our bank account.