Processing Windows & Cutoff Times
📆 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.
Updated about 12 hours ago