By rail
Banking days and cutoffs
ACH and wire settle on banking days only. A request made on a weekend or bank holiday, or after the day’s cutoff, starts processing on the next banking day. Real-time rails like RTP and Faster Payments settle at any time, including weekends. Each rail has a daily cutoff, after which activity rolls to the next banking day. Choose the rail that matches how quickly the money needs to arrive: RTP or a wire when it has to be same-day, ACH when cost matters more than speed.On the on-ramp side
A linked bank on-ramp pulls funds by ACH debit. Spritz estimates settlement at roughly three to five Federal Reserve banking days, but does not currently expose a guaranteed delivery deadline. Normal-priority crypto is released after the debit settles. High priority, when enabled for your integration, can release some or all crypto earlier. Settlement is not finality: an ACH debit can still be returned later. See ACH returns.Related
What we support
Rails, currencies, and regions.
ACH returns
How returned ACH debits work.