Processing windows & cutoff times

Bridge accesses fiat rails on banking days and during banking hours and crypto rails 24/7/365. Refer to the table below for cutoff times and settlement speeds for offramp and onramp processing across fiat and crypto rails. Transactions which miss the cutoff will be processed the following day. Note:

Large transactions (over $500,000) will take no more than one additional hour to process, across all supported payment rails.
Onramps may be subject to additional risk reviews (in the “In Review” state) which may add two additional business hours to processing times.

Destination Currency	Destination Rail	Cutoff (ET)	Settlement Time	Notes
USD	Next Day ACH	4:45 PM	8:30 AM next business day	Bridge submits batches in the evening each banking day. Transactions submitted post-cutoff may take an additional 1 day to process. ACH funds typically land in 1–2 banking days.
USD	Same Day ACH	9:30 AM, 1:45 PM, 2:30 PM	1:00 PM, 5:00 PM, 6:00 PM same day	Please note the same day ACH transaction limit is $1 million and availability depends on the recipient bank. If same day ACH isn’t an option, the transaction will be rerouted via next day ACH. Transactions submitted before 2:30 PM on a business day are guaranteed to settle same day. Transactions submitted after 2:30 PM or on non-business days are guaranteed to settle the next business day.
USD	Wire	4:45 PM	Up to 2 hours after sending	Transactions after 4:45 PM ET are sent next banking day. Please note that receiving banks may process wires at their own speed.
EUR	SEPA Instant	N/A	Up to 5 minutes	SEPA Instant payments are available 24/7/365. Bridge supports SEPA Instant transactions up to €1 million; however, the beneficiary bank must also support SEPA Instant and may apply its own transaction limits. If the beneficiary bank does not respond in time to the SEPA Instant request, the payment will automatically be rerouted as a standard SEPA Credit Transfer.
EUR	SEPA Credit	7:00 AM	1–3 business days	Used for transactions > €1 million or for payments where SEPA instant is not available (see above).
MXN	SPEI	N/A	Up to 30 minutes	24/7/365. Always-on domestic rail in Mexico.
BRL	PIX	N/A	Up to 30 minutes	24/7/365. Always-on domestic rail in Brazil.
COP	Bre-B	N/A	Up to 30 minutes	24/7/365. Always-on domestic rail in Colombia.
COP	Bank Transfer	11:30 AM, 2:00 PM, and 4:30 PM	Up to 30 minutes from cutoff time.	Completed during weekdays. Domestic rail in Colombia.
GBP	Faster Payments	N/A	Up to 30 minutes*	24/7/365. Always-on domestic rail in the United Kingdom. *Transfers >£1M will process via BACS rail, completing in up to 3 business days.
USDT	All chains	N/A	Up to 60 minutes	24/7/365. Unlike other supported stablecoins, USDT does not convert at a 1:1 peg with USD, and must be traded. Transaction speed is slower than other stablecoins to account for trading.
USDC EURC	All chains	N/A	Up to 30 minutes	24/7/365
Bridge-issued stablecoin (e.g. USDB, xUSD)	All chains	N/A	Up to 30 minutes	24/7/365
Non-stablecoin	All chains	N/A	Up to 60 minutes	24/7/365. Transaction speed is slower than other assets to account for trading.

Orchestration

Wallets

Issuance

Cards

Customers

Logistics

Additional information

Processing windows & cutoff times