Transaction timelines

Transaction timelines for different operations.

Not all operations are instant or have the same timeline. The following table shows the timeline for different operations.

Operation	Payment rail	Currency	Timeline
On-ramp Sending fiat to bank account and converting to USDC/EURC	SEPA	EUR	Instant: <30 seconds (24/7). Credit: 1-3 business days.
	ACH	USD	Next-day ACH: Funds typically arrive in 1-3 business days. Same-day ACH: Lands same day if sent before the 9:30 AM, 1:45 PM, or 3:45 PM ET cutoffs.
	Wire	USD	~2 hours after being sent. Receive before 5 PM ET for same-day processing; otherwise next business day.
Off-ramp Sending USDC/EURC to bank account and converting to fiat	SEPA	EUR	Instant: <30 seconds. Credit: 1-3 business days.
	ACH	USD	Same-day ACH: Same day if before 9:30 AM, 1:45 PM, or 3:45 PM ET. Next-day ACH: Typically 1-2 banking days.
Direct stablecoin deposit	---	USDC	Less than 30 seconds