Mo processes transactions across various fiat and crypto rails. While crypto rails operate 24/7/365, fiat payment networks (like ACH and SEPA) follow standard banking days and hours.
Fiat Processing Windows
Transactions submitted before the cutoff time are processed the same business day. Those submitted after the cutoff or on non-banking days will be processed the next business day.
United States Dollar (USD)
| 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. |
Euro (EUR) & British Pound (GBP)
| Payment Rail | Cutoff (ET) | Estimated Settlement | Notes |
|---|---|---|---|
| SEPA Instant (EUR) | N/A | Up to 5 minutes | Available 24/7/365. |
| SEPA Credit (EUR) | 7:00 AM | 1–3 business days | For amounts > €100K. |
| Faster Payments (GBP) | N/A | Up to 30 minutes | 24/7 domestic rail in the UK. |
Other Domestic Rails
| Currency | Local Rail | Availability | Settlement Time |
|---|---|---|---|
| MXN | SPEI | 24/7/365 | Up to 30 minutes |
| BRL | PIX | 24/7/365 | Up to 30 minutes |
Digital Dollar & Crypto Timelines (24/7)
Stablecoins and digital assets are processed around the clock without banking cutoffs.
| Asset Type | Settlement Speed | Notes |
|---|---|---|
| USDC / EURC | Up to 30 minutes | Most efficient for near-instant settlement. |
| USDT | Up to 60 minutes | Requires trading; slightly slower settlement. |
| BTC / ETH | Up to 60 minutes | Speed reflects market trading and network times. |
Important Considerations
- Large Transactions: Transfers over $500,000 may require an additional hour for processing across all rails.
- Risk Reviews: All onramps (deposits) are subject to compliance reviews, which may add up to one business hour to the processing time.
- Banking Holidays: Fiat rails do not process on weekends or bank holidays in their respective regions (e.g., US Federal holidays for USD).
Frequently Asked Questions
What happens if I miss the cutoff? Your transaction will be automatically queued and processed at the start of the next banking day.
Why is my crypto transfer taking longer than 30 minutes? Network congestion or additional internal risk reviews can occasionally extend the processing window.
Are there limits for Same Day payments? Yes, Same Day ACH (USD) is limited to $1 million per transaction. Amounts above this will process via Next Day ACH.