Settlement Process

Different transaction types on the Cybrid platform have different settlement timelines. The table below outlines processing times and cut-off points for each type, helping you plan transfers and trades accordingly.

Settlement Overview

Type of Transaction	Timeline	Description
Fiat Deposits (Sameday ACH)	2-3 Business Hours	ACH deposits run on the NACHA network during sponsor bank business hours (8 AM–3 PM Eastern). Transfers initiated after 3 PM are processed the next business day. See the Fiat Transfer Settlement guide.
Fiat Withdrawals (Sameday ACH)	2-3 Business Hours	ACH withdrawals run on the NACHA network during sponsor bank business hours (8 AM–3 PM Eastern). Transfers initiated after 3 PM are processed the next business day. See the Fiat Transfer Settlement guide.
Fiat Deposits (RTP / FedNow)	Immediate	RTP and FedNow deposits settle instantly, operate 24/7, and follow a Good Funds model. See the Fiat Transfer Settlement guide.
Fiat Withdrawals (RTP / FedNow)	Immediate	RTP and FedNow withdrawals settle instantly, operate 24/7, and follow a Good Funds model. See the Fiat Transfer Settlement guide.
Fiat Deposits (Wire)	Depends on Counterparty Bank	Wire deposits use the Fedwire network and depend on the counterparty bank's wire transfer windows. Cybrid has no control or visibility over inbound wires until they credit to our account. See the Fiat Transfer Settlement guide.
Fiat Withdrawals (Wire)	1-2 Hours, Based on Wire Transfer Window	Wire withdrawals use the Fedwire network during sponsor bank business hours (wire window approximately 10 AM–3 PM Eastern). Once initiated, a wire typically reaches its destination in 1–2 hours. See the Fiat Transfer Settlement guide.
Crypto Trades	1-2 Hours	Crypto trades follow a multi-step settlement process. See the Crypto Trade Settlement guide.
Crypto Deposits	Network Dependent	Crypto deposits settle on their respective blockchain following each network's confirmation requirements. For example, Bitcoin requires 4 confirmation blocks (approximately 40 minutes). Some transfers may require manual compliance approval, which could delay processing outside business hours.
Crypto Withdrawals	Network Dependent	Crypto withdrawals process automatically 24/7 on the respective blockchain, with timelines varying by network. Some transfers may require manual compliance approval, which could delay processing outside business hours.