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How quickly money arrives depends on the rail. The crypto leg confirms on-chain in the usual block times; the fiat leg is what varies. This page covers the timing you can expect for each rail Spritz supports.

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By rail

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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.

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On the on-ramp side

A linked bank on-ramp pulls funds by ACH debit, which follows the same ACH schedule. Keep in mind that ACH debits can be returned after settlement, within windows that run from a couple of banking days up to 60 calendar days. See ACH returns.

What we support

Rails, currencies, and regions.

ACH returns

How returned ACH debits work.