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updatedAt: 2026-08-31T13:02:51.000Z
agentTools:
  projectIndex: https://docs.cybrid.xyz/llms.txt
---

# Trade Process

Where do trades fit on the Cybrid Platform?

## Overview

Trades on the Cybrid Platform let customers buy and sell crypto using fiat funded into their `fiat` account. Each trade requires a quote that locks in a price for a short window, then a `POST /api/trades` call against the quote `guid`.

## Trades section

| Guide                                                                     | When to use                     |
| :------------------------------------------------------------------------ | :------------------------------ |
| [Create and execute a trade](https://docs.cybrid.xyz/docs/execute-trades) | End-to-end quote and trade flow |
| [Trade fees](https://docs.cybrid.xyz/docs/trade-fees)                     | Configure custom fees           |
| [Stablecoin swap](https://docs.cybrid.xyz/docs/stablecoin-swap)           | Swap USDC across chains         |
| [Sandbox trades](https://docs.cybrid.xyz/docs/sandbox-trades)             | Sandbox-specific behavior       |

## End-to-end trade setup

Executing a trade requires one-time customer setup, then a repeatable quote → trade flow.

### One-time setup

1. Create a Customer via `POST /api/customers`.
2. Create `fiat` and `trading` Accounts for the Customer via `POST /api/accounts`.
3. Verify the customer's identity via Persona — see [Verifying a customer](https://docs.cybrid.xyz/docs/verifying-a-customer).
4. Connect the customer's bank account via Plaid — see [Add Customer External Bank Accounts](https://docs.cybrid.xyz/docs/add-customer-external-bank-accounts) and [Plaid Integration](https://docs.cybrid.xyz/docs/plaid-integration).

### Per-trade

1. Fund the `fiat` account using a funding transfer (see [Transfer Process](https://docs.cybrid.xyz/docs/transfer-process)).
2. Generate a quote via `POST /api/quotes` (see [Create and execute a trade](https://docs.cybrid.xyz/docs/execute-trades)).
3. Execute a trade against the quote via `POST /api/trades`.

> ℹ️ Sandbox simulation
>
> KYC and Plaid bank connections are simulated in sandbox. Simulated Plaid funding caps each deposit at $100. See [Sandbox trades](https://docs.cybrid.xyz/docs/sandbox-trades) for trade limitations and [Sandbox transfers](https://docs.cybrid.xyz/docs/sandbox-transfers) for funding limitations.

## Trade settlement

Trade settlement runs in hourly batches between 9 AM and 5 PM ET on weekdays. USDC settles 24/7 on an hourly schedule. See [Crypto Trade Settlement](https://docs.cybrid.xyz/docs/settlement-process-crypto-trade-settlement) for the full timeline.