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Fin.com operates on banking days and hours for fiat transactions and 24/7/365 for crypto. The tables below summarize the cutoff times and expected settlement windows for each rail.
The cutoff times and settlement windows below apply to both payins and payouts.

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1. Fiat Rails (USD)

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2. International Fiat Rails

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3. Crypto Rails (24/7/365)

Crypto rails operate continuously, including weekends and holidays. Settlement windows reflect typical end-to-end processing time including network confirmations.

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4. Additional Notes

  • Large transactions (>$500K): May require up to one additional hour for processing.
  • Onramps: May undergo risk reviews that add up to two business hours to standard settlement times.
  • Holidays & weekends: Fiat rails follow the banking calendar of the relevant jurisdiction. Transactions initiated outside banking hours are processed on the next business day.