> ## 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.

## 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.