Processing Windows & Cutoff Times

📆 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):

CurrencyRailCutoff (ET)Settlement TimeNotes
USDNext Day ACH1:00 PM8:30 AM next business dayBridge submits batches at 1:00 PM ET daily. Post-cutoff, we will process next day. ACH funds typically land in 1–2 business days.
USDSame Day ACH9:30 AM, 1:45 PM, 3:45 PM1:00 PM, 5:00 PM, 6:00 PM same daySame-day settlement at receiving bank. Availability depends on that bank.
USDWire4:45 PM~1 hour after sendingTransactions after 4:45 PM ET are sent next business day
EURSEPA InstantN/A<30 seconds24/7/365. Requires beneficiary bank support.
EURSEPA Credit9:00 AM1–2 business daysUsed for transactions > €100K
MXNSPEIN/A<30 seconds24/7/365. Always-on domestic rail in Mexico.

Onramps (fiat to crypto)

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