Limits and Minimums

Rail Limits

Rail limits apply per funding transfer:

To increase the rail limits, contact Cybrid Support with your request.

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Sponsor bank transfer limits

Some payment rails, such as ACH, may have additional maximum limits imposed by sponsor banks (e.g., $25,000 per withdrawal) that cannot be exceeded, even with a temporary limit increase. Cybrid Support can temporarily raise your configured limits up to these sponsor bank maximums on a case-by-case basis. Contact Support to request a temporary or permanent limit change and specify your requirements.

Activity Limits

Customer limits apply independently across the following activity types:

• funding
• trading
• crypto_transfer
• book_transfer

Customer limits are enforced at execution time. You can always create a quote and attempt a transfer, but if the transfer would exceed the customer's configured limit, it fails with "failure_code": "limit_exceeded".

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Funding activity limits: deposits vs. withdrawals

Funding activity limits are tracked separately for deposits and withdrawals. For example, if a customer has a $5,000 daily funding limit, they can deposit up to $5,000 and also withdraw up to $5,000 within the same day—each direction has its own independent limit. Depositing $3,000 and withdrawing $2,500 on the same day would not cause either activity to consume from the other's limit.

Customer limits are applied based on the customer's country of residency (e.g., US, Canada, etc.), the level to which the customer has been KYC verified, i.e., with or without their SSN/SIN being verified, and whether the customer has undergone Enhanced Due Diligence (EDD).

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Non-inclusive upper bounds

All limits in the table below have non-inclusive upper bounds. A limit of $3000 USD allows transfers or trades up to a cumulative value of $2999.99 USD.

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Limit reset schedule

Activity limits are calculated based on calendar days in UTC:

• Daily limits reset at 12:00 AM UTC (Midnight).
• Weekly limits reset every Monday at 12:00 AM UTC.
• Monthly limits reset on the 1st of each month at 12:00 AM UTC.

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Limit increases mid-period

If a customer's limit is increased during an active period (e.g., mid-week), transactions already processed under the previous limit still count toward the new limit for that period. The reset schedule is not retroactive; it only applies to new periods (e.g., the next day or week).

US Customers (USD)

Canadian Customers (CAD)

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Increasing activity limits

Customer activity limits can be increased on a case-by-case basis through the Enhanced Due Diligence (EDD) process.

quote_limit_exceeded Error

When initiating deposits, you may encounter a quote_limit_exceeded error. This error indicates that the customer has surpassed their allowed deposit limits, which can be daily, weekly, or per-transaction. These limits are determined by the customer's verification status, country, and risk profile.

To resolve this error:

• Check the customer's current activity limits using the API (GET /api/customers/{customer_guid}) or in the Partner Portal.
• Review the customer's recent activity to ensure the attempted deposit does not exceed their configured limits.
• If higher limits are required, contact Cybrid Support to request an increase.

Both sandbox and production environments enforce these limits, but sandbox typically has lower default limits. You can request higher sandbox limits for testing if needed.

Minimums

• Pull deposits to the Cybrid Platform: $0.50 minimum to initiate and fund an account
• Crypto buys for the symbol BTC-USD have a $1.00 minimum
• All other Crypto trades and directions have a $0.50 minimum (Note: the minimum might be higher depending on fees)
• Internal book transfers have the following minimum:
  • Fiat: $0.01
  • Crypto: The base unit of the asset (for example, 1 base unit for USDC, where 1,000,000 base units = 1 USDC)

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Sandbox environment

In the sandbox environment, some minimums and enforcement checks may be relaxed to facilitate testing. For example, transfers below the production minimum (such as a 0.01 USDC book transfer) may be accepted in sandbox, even though they would be rejected in production. This can result in apparent inconsistencies in account balances during testing. In production, the $0.50 (or equivalent) minimum is strictly enforced for transfers and trades.

Transfer Holds

Funding deposits are, by default, held for two business days unless a Partner Reserve has been provided.

For more details on reserves and ACH holds, see the Reserve Account guide.

Crypto Custody Period

Customer accounts may not hold crypto balances greater than $1,000 USD for more than 48 hours.

Cybrid monitors crypto balances on a weekly basis and alerts partners when customers are holding a balance that exceeds this limit.

Partners must work with customers to transfer their crypto off the Cybrid Platform, either via an on-chain withdrawal or via a sell trade.

Increasing Customer Activity Limits

To increase a specific customer's activity limits, initiate an Enhanced Due Diligence (EDD) case via the Partner Portal or API. This process is customer-specific and does not apply to all customers automatically.

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New limit replaces, not stacks

When a customer's activity limit is increased via EDD, the new limit replaces the previous limit for the relevant period (daily, weekly, or monthly). It is not cumulative. For example, if a customer's weekly limit is increased mid-week, only the new (higher) limit applies for the remainder of the week. If the customer already transacted up to the old limit, only the difference up to the new limit is available for the rest of that period.

For business-wide limit increases (across all customers), open a Zendesk ticket and consult with the compliance team.

High Net Worth Customers

Customers who want to transfer more than our standard limits can contact support to apply for increased limits.

Applying for increased limits requires the customer to go through an Enhanced Due Diligence (EDD) process, which includes the collection of the following information from the customer:

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Non-exhaustive list

The Cybrid Compliance team may request additional supporting documentation during the EDD process. EDD processing is handled on a case-by-case basis.

• Manual review of KYC
• Manual review of all transactional history on the platform
• Occupational details of the customer, including a recent pay stub
• Customer declaration of their source of funds (SoF):
  • A description of the origin of the money used as part of a specific transaction, typically including (but not limited to) a bank statement no older than 10 days
  • Sources can include savings accounts, employment income, property sales, inheritances and gifts, and other sources approved by compliance
• Customer declaration of source of wealth (SoW) (required for one or more $50,000 transactions):
  • A description of the origin of money the customer has collected over their lifetime, typically including (but not limited to) a bank statement no older than 10 days and an investment statement no older than 30 days
  • Examples include investments, business income or ownership, employment income, family inheritance, and other sources approved by compliance
  • Note: SoF and SoW can overlap; however, SoW analysis involves deeper investigation into a customer's total wealth and can take longer than SoF verification

EDD is a more rigorous process than standard KYC/KYB. The compliance team typically completes the first review within 2 business days, though complex cases or requests for additional information may extend the timeline.