On-ramp

Users can deposit USD funds using two traditional payment rails.

Payment Rail	Est. Speed	Trade Settlement Cutoff Times	Payment Cutoff Times	Pros/Cons
ACH	Next Day ACH	Standard Size: 1PM ET Large Size: noon ET	4PM ET	Pros: cheaper Cons: slower
Wires	Same-day before cutoff time	Standard Size: 1PM ET Large Size: noon ET	Based on user’s bank’s cutoff time (typically around 5pm ET)	Pros: good for larger ticket size Cons: considerably more expensive

Note: all on-ramp valued at $50K+ require manual approval. Message your point of contact or [email protected] if you are unclear on when to expect settlement.

Off-ramp

We are able to send payments to user bank accounts using two traditional payment rails.

Payment Rail	Transaction Limit	Est. Speed	Trade Settlement Cutoff Times	Payment Cutoff Times	Notes
ACH	$50K for embedded payments	Next Day ACH (Same-Day ACH coming June 2025)	USDC: -Standard Size: 1PM ET -Large Size: noon ET USDT: -24 hours (on weekdays)	4PM ET
Wires	$5 million	Same-day before cutoff	USDC: -Standard Size: 1PM ET -Large Size: noon ET USDT + all other tokens: -3pm ET BTC, ETH, POL: -24 hour settlement (on weekdays)	For < $1M: 5PM ET For > $1M: 3PM ET	If manually breaking up wires into smaller amounts, try not to break them up into equal sized payments as they may get flagged/blocked for being duplicates