📆 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):| 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. |