Payment Schemes

Supported payout rails and geographies for Crossmint Offramp

Crossmint Offramp supports multiple payout rails across geographies. The table below lists the available schemes by currency.

Rail/Scheme	Availability	Settlement	Cut-off Time (working days)	Transaction Limits
ACH (USD)	Available	1 business day	GMT 01:45pm to 08:00pm	$50,000 per transaction
Same-day ACH (USD)	Available	Same day	GMT 01:45pm to 08:00pm	$50,000 per transaction
RTP (USD)	Available	Instant	24/7	$1,000,000 per transaction
Wire (USD)	Available	Same day	GMT 01:45pm to 08:00pm	No limit
SEPA Instant (EUR)	July	Seconds	24/7	€500,000 per transaction
SEPA (EUR)	July	1 to 2 business days	GMT 07:00am to 02:00pm	No limit
SWIFT (EUR)	July	1 to 5 business days	GMT 07:00am to 02:00pm	No limit
T2 (EUR)	Q3	Same day
Faster Payments (GBP)	B2B: July/August, Consumer: Q3/Q4	Minutes to hours	24/7	£1,000,000 per transaction
SPEI (MXN)	July/August	Minutes
Bre-B (COP)	July/August	Instant		COP 12,110,000 per transaction
Bank Transfer (COP)	July/August	1 to 2 business days
Pix (BRL)	July/August	Instant
Additional rails available upon request	Contact sales

Cut-off times by timezone

Settlements arrive within the stated timeframes only if payments are submitted by the stipulated cut-off time (COT).

US (ACH, Same-day ACH, Wire)

Timezone	Winter (Standard)	Summer (Daylight)
PT	05:45am to 12:00pm PST	06:45am to 01:00pm PDT
ET	08:45am to 03:00pm EST	09:45am to 04:00pm EDT

Europe and UK (SEPA, SWIFT)

Timezone	Winter (Standard)	Summer (Daylight)
PT	11:00pm to 06:00am PST	12:00am to 07:00am PDT
ET	02:00am to 09:00am EST	03:00am to 10:00am EDT

Rail Identifiers

The table above shows planned scheme availability by geography. A specific payment method’s bankAccount.rails.supported reflects what is currently orderable via recipient.rail, which for US accounts is rtp, ach-same-day, and ach-us. Rails still being resolved appear in bankAccount.rails.pending while bankAccount.rails.status is pending, and move to supported (or drop) once resolution completes.

Bank-account payment methods report the payout rails they support in bankAccount.rails.supported (see The Payment Method Object), and you can pin one with recipient.rail when creating an offramp order. The currently supported values:

Rail	Region	Indicative delivery
rtp	US	Seconds to minutes, 24/7
ach-same-day	US	Same business day
ach-us	US	1 business day
sepa-instant	EU (EUR)	Seconds, 24/7
sepa	EU (EUR)	1 to 2 business days

fednow, wire, spei, and ach-co are reserved vocabulary for upcoming markets — they do not yet appear in supported.

If you omit recipient.rail when creating an order, Crossmint uses the account’s regional default: ach-same-day for US accounts, sepa for SEPA accounts.