Crypto moves around the clock. Banks do not. Mo’s bank rails are USD rails, and they keep US banking hours, so a transfer submitted at nine on a Friday evening does not start moving until Monday.
The Rails
Money into Mo arrives by ACH, sent to the named US bank account shown in the app. Money out can go by ACH, by Fedwire inside the US, or by SWIFT internationally.
USD Cutoffs and Settlement
Transfers submitted before the cutoff are processed the same business day. Anything after it, or on a weekend or holiday, is queued for the next one.
| Payment Rail | Cutoff (ET) | Estimated Settlement | Notes |
|---|---|---|---|
| Wire | 4:45 PM | Up to 2 hours | Fastest USD fiat rail. |
| Same Day ACH | 2:30 PM | Same business day | Limit of $1M per transaction. |
| Next Day ACH | 1:00 PM | 1–2 banking days | Standard for most US transfers. |
SWIFT payouts follow the correspondent banking chain rather than a single cutoff. Two to five business days is normal, and the receiving bank sets the final leg.
Crypto Timelines
Deposits sent from an external wallet or exchange settle on the network, not on a banking calendar. On Base that is seconds. There is no cutoff, no weekend, and no holiday.
The delay people notice is almost never the chain. It is the exchange on the other end holding a withdrawal for its own review.
What Can Add Time
- Large transfers. Anything over $500,000 may take an additional processing hour on any rail.
- Risk review. Every deposit passes a compliance check, which can add up to a business hour.
- Bank holidays. USD rails do not process on weekends or US federal holidays. See the holiday schedule.
- Detail errors. A wrong account number or IBAN on a payout causes a delay, a return, or a failed transfer. Check it twice before you submit.
Frequently Asked Questions
What happens if I miss the cutoff? The transfer is queued and processed at the start of the next banking day. You do not need to resubmit it.
My deposit has not arrived. What do I do? Write to support@mo.xyz rather than the partner bank, and include the Trace ID for an ACH transfer or the IMAD number for a wire. Those identifiers come from the sending bank and let us trace the payment.
Are there limits on Same Day ACH? Yes, $1 million per transaction. Above that it routes via Next Day ACH. Other limits are covered in transaction limits.