- 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, 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 > €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. |
| 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 (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. |