📆 Fiat Rails

Bridge accesses fiat rails only on banking days. Refer to the table below for cutoff times and settlement speeds for payments with fiat destinations (offramps):

Currency	Rail	Cutoff (ET)	Settlement Time	Notes
USD	Next Day ACH	1:00 PM	8:30 AM next business day	Bridge submits batches at 1:00 PM ET daily. Post-cutoff, we will process next day. ACH funds typically land in 1–2 business days.
USD	Same Day ACH	9:30 AM, 1:45 PM, 3:45 PM	1:00 PM, 5:00 PM, 6:00 PM same day	Same-day settlement at receiving bank. Availability depends on that bank.
USD	Wire	4:45 PM	~1 hour after sending	Transactions after 4:45 PM ET are sent next business day
EUR	SEPA Instant	N/A	<30 seconds	24/7/365. Requires beneficiary bank support.
EUR	SEPA Credit	9:00 AM	1–2 business days	Used for transactions > €100K
MXN	SPEI	N/A	<30 seconds	24/7/365. Always-on domestic rail in Mexico.

Onramps (fiat to crypto)

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