Processing Windows & Cutoff Times

📆 Fiat Rails

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

CurrencyRailCutoff Time (ET)Settlement SpeedNotes
USDNext Day ACH1:00 PM ET8:30 AM ET next business dayBridge 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.
USDSame Day ACH1st 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.
USDWire4:45 PM ET~1 hour after sendingTransactions after 4:45 PM ET are sent next business day
EURSEPA InstantN/A, it's a 24/7/365 rail<30 secondsDependent on beneficiary bank supporting SEPA instant
EURSEPA Credit9 AM ET1–2 business daysUsed for transactions > €100K
MXNSPEIN/A, it's a 24/7/365 rail<30 secondsAlways-on rail in Mexico

Onramps (fiat to crypto)

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