Payment Schemes - Offramp | Crossmint Docs

Crossmint Offramp lets your users convert USDC into fiat and withdraw it to bank accounts across the US, Europe, and Latin America. Here is where each payout rail stands today, how fast funds arrive, and any limits to keep in mind.

Rail/Scheme	Availability	Settlement	Processing Window (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)	Available	Instant	24/7	€500,000 per transaction
SEPA (EUR)	Available	1 to 2 business days	GMT 07:00am to 02:00pm	No limit
SPEI (MXN)	Available	Instant
Bre-B (COP)	Available	Instant		COP 12,110,000 per transaction
Bank Transfer (COP)	Available	1 to 2 business days
SWIFT (EUR)	Q4	1 to 5 business days	GMT 07:00am to 02:00pm	No limit
Faster Payments (GBP)	Q4	Minutes to hours	24/7	£1,000,000 per transaction
Pix (BRL)	Q4	Instant
Additional rails available upon request	Contact sales

Processing Windows by Timezone

The settlement times above apply only when you submit the order within the processing window.

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

Next Steps

Quickstart

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KYC & Compliance

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