- 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 an additional business hour to processing times.
| Destination Currency | Destination 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 banking 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 | 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. |
| 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 | Available 24/7/365. Please note that beneficiary bank must support SEPA Instant. Please note that if the beneficiary bank times out on the request to initiate a SEPA instant payment, the payment will be automatically re-routed on SEPA credit. |
| EUR | SEPA Credit | 7:00 AM | 1–3 business days | Used for transactions > €100K 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. |
| 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 | 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 (e.g. ETH, BTC) | All chains | N/A | Up to 60 minutes | 24/7/365. Transaction speed is slower than other assets to account for trading. |