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.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.
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 stablecoins | Up to 30 minutes |
| USDT | Up to 60 minutes (slower due to trading requirements) |
| Non-stablecoins | Up to 60 minutes |
Crypto rails operate continuously, including weekends and holidays. Settlement windows reflect typical end-to-end processing time including network confirmations.
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.