The following table outlines typical settlement timelines across supported rails and currencies. These are best-effort estimates based on correct input data (e.g. beneficiary details, memos) and uninterrupted processing.
While most transactions clear within these windows, actual settlement may vary due to factors like RFIs (requests for information), manual compliance reviews, jurisdictional regulations, or partner bank processing delays.
Use these timelines as guidance for system logic, retries, or customer-facing expectations — and refer to our webhook/event logs for real-time status tracking.
| Rail Service | Settlement Time |
|---|---|
| USD - Fedwire | Same day during US Banking Hours if before 3pm ET |
| USD - ACH | Same day or next day during US banking hours |
| USD - SWIFT | 1–4 days during US banking hours |
| EUR - SEPA Instant | Same day, 24/7 |
| EUR - SEPA CT | Same day or next day during European Banking Hours |
| GBP - FPS | Same day, 24/7 |
| GBP - CHAPS | Same day or next day during UK Banking Hours |
| INR - IMPS | Same day or next day, 24/7 |
| MXN - SPEI | Same day, 24/7 |
| Crypto | Same day, 24/7 |
| Rail Service | Settlement Time |
|---|---|
| USD - Crypto | Same day during US Banking Hours if before 3pm ET |
| EUR - Crypto | Same day, during US Banking Hours |
| GBP - Crypto | Same day, during US Banking Hours |
| INR - Crypto | Same day, during US Banking Hours |
| MXN - Crypto | Same day, during US Banking Hours |
| COP - Crypto | Same day, during US Banking Hours |