Settlement Process

It is essential to understand various timelines that may influence fiat or crypto transfers and trade settlements on the platform. The table below outlines specific durations for each transaction type, highlighting key factors such as processing times and cut-off points. By familiarizing yourself with this information, you can better plan your trading activities and ensure the timely execution of your transfers.

Settlement Overview

Type of Transaction	Timeline	Description
Fiat Deposits (Sameday ACH)	2-3 Business Hours	ACH deposits operate on the NACHA network during the eastern business hours of our sponsor bank, which are from 8 AM to 3 PM Eastern Time. Transfers initiated after 3 PM will be processed by our sponsor bank the next business day. For more details, please refer to the Fiat Transfer Settlement guide.
Fiat Withdrawals (Sameday ACH)	2-3 Business Hours	ACH withdrawals operate on the NACHA network during the eastern business hours of our sponsor bank, which are from 8 AM to 3 PM Eastern Time. Transfers initiated after 3 PM will be processed by our sponsor bank the next business day. For more details, please refer to the Fiat Transfer Settlement guide.
Fiat Deposits (RTP / FedNow)	Immediate	RTP and FedNow deposits provide instant settlement and operate 24/7, following a Good Funds model. For more details, please see the Fiat Transfer Settlement guide.
Fiat Withdrawals (RTP / FedNow)	Immediate	RTP and FedNow withdrawals provide instant settlement and operate 24/7, following a Good Funds model. For more details, please see the Fiat Transfer Settlement guide.
Fiat Deposits (Wire)	Depends on the Counterparty Bank	Wire deposits are processed through the Fedwire network and depend on the wire transfer windows of the counterparty banks. Cybrid does not have control or visibility over inbound wire transfers until they are credited to our account. For more information, please refer to the Fiat Transfer Settlement guide.
Fiat Withdrawals (Wire)	1-2 Hours, Based on Wire Transfer Window	Wire withdrawals are processed through the Fedwire network, which is available during eastern business hours through our sponsoring bank. The wire transfer window is approximately 10 AM to 3 PM. Once a wire transfer has been initiated, it typically takes 1 to 2 hours to reach its final destination. For more details, please refer to the Fiat Transfer Settlement guide.
Crypto Trades	1-2 Hours	Crypto trades involve a more complex settlement process with multiple steps. For further details, please refer to the Crypto Trade Settlement guide.
Crypto Deposits	Network Dependent	Crypto deposits are processed on their associated asset blockchain, following each network's timelines. For example, Cybrid uses 4 confirmation blocks for Bitcoin — approximately 40 minutes — to confirm the receipt of funds. Please note that some transfers may be subject to manual approval under our compliance policies, which could delay transfers submitted outside of business hours.
Crypto Withdrawals	Network Dependent	Crypto withdrawals are processed automatically 24/7 through the associated blockchain, with timelines varying by network. Please note that some transfers may be subject to manual approval under our compliance policies, which could delay transfers submitted outside of business hours.