> ## Documentation Index
> Fetch the complete documentation index at: https://docs.spritz.finance/llms.txt
> Use this file to discover all available pages before exploring further.

# Settlement timing

> How long each rail takes to settle.

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.

## By rail

| Rail                          | Speed                                                            |
| ----------------------------- | ---------------------------------------------------------------- |
| RTP (US)                      | Near-instant, around the clock, including weekends and holidays  |
| Faster Payments (UK)          | Near-instant                                                     |
| Wire (US)                     | Same banking day                                                 |
| ACH same-day credit or payout | Same banking day when submitted before the cutoff                |
| ACH standard credit or payout | One to two banking days                                          |
| ACH debit on-ramp             | Roughly three to five Federal Reserve banking days to settlement |
| SEPA (EU)                     | About one banking day                                            |
| EFT (Canada)                  | One to three banking days                                        |
| Push to card                  | Minutes                                                          |

## 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](/guides/use-cases/linked-bank-onramp) 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](/guides/ach-returns).

## Related

<CardGroup cols={2}>
  <Card title="What we support" icon="globe" href="/guides/supported">
    Rails, currencies, and regions.
  </Card>

  <Card title="ACH returns" icon="rotate-left" href="/guides/ach-returns">
    How returned ACH debits work.
  </Card>
</CardGroup>