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📆 Fiat Rails

Bridge accesses fiat rails only on banking days and during banking hours. 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.

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Onramps (fiat to crypto)

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