> ## Documentation Index
> Fetch the complete documentation index at: https://developer.fin.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Processing Windows & Cutoff Times

> Cutoff times and settlement windows across fiat and crypto rails.

[Fin.com](http://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.

<Note>
  The cutoff times and settlement windows below apply to **both payins and payouts**.
</Note>

## 1. Fiat Rails (USD)

| Rail | Cutoff | Settlement | Notes |
| :- | :- | :- | :- |
| Next Day ACH | 4:45 PM ET | 8:30 AM next business day | Standard ACH transfer |
| Same Day ACH | 9:30 AM, 1:45 PM, 2:30 PM ET | Same business day | Capped at \$1M per transaction |
| Wire | 4:45 PM ET | Within 2 hours | Domestic USD wires |

## 2. International Fiat Rails

| Rail | Currency | Cutoff | Settlement |
| :- | :- | :- | :- |
| SEPA Instant | EUR | No cutoff (24/7/365) | Up to 5 minutes |
| SEPA Credit | EUR | 7:00 AM | 1–3 business days |
| SPEI | MXN | No cutoff | Up to 30 minutes |
| PIX | BRL | No cutoff | Up to 30 minutes |
| Bre-B | COP | No cutoff | Up to 30 minutes |
| Faster Payments | GBP | No cutoff | Up to 30 minutes |

## 3. Crypto Rails (24/7/365)

| Asset Type | Settlement Window |
| :- | :- |
| USDC / EURC / [Fin.com](http://Fin.com) stablecoins | Up to 30 minutes |
| USDT | Up to 60 minutes (slower due to trading requirements) |
| Non-stablecoins | Up to 60 minutes |

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

## 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.


This documentation is built and hosted on [Mintlify](https://mintlify.com), a developer documentation platform.