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.

Availability in this table describes the bank account, not the payer. At order time, Crossmint can refuse SEPA and SEPA Instant for a payer whose verified country of residence is outside the SEPA area, even when the payment method lists them as supported.

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	24/7	COP 12,110,000 (about USD 3,600) per transaction
🇨🇴 Bank Transfer (COP)	Available	Minutes to 36 hours (up to 72 hours on weekends and holidays)	Depends on the receiving bank (see below)	No limit
🇪🇺 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

Colombia (Bank Transfer)

Settlement time depends on the receiving bank. All times are Colombia time (COT), which is GMT-5 all year. COT matches ET in winter and is 1 hour behind ET in summer.

Receiving bank	Receiving window	Typical settlement
Bancolombia	24/7	Most payouts within 30 minutes
Nequi	24/7	Most payouts within 5 minutes
Coltefinanciera	24/7	Most payouts within 5 minutes
Banco de Bogotá	Monday to Friday, 06:00 to 20:30 (payouts submitted 20:30 to 03:45 are processed at 04:00)	Most payouts within 45 minutes
Coopcentral	Monday to Friday, 08:00 to 17:30	Most payouts within 30 minutes
BBVA	Monday to Friday, 06:00 to 19:00	Most payouts within 60 minutes
Banco de Occidente	Monday to Friday, 08:00 to 21:00	Most payouts within 60 minutes
Banco Popular, Banco AV Villas	Monday to Friday, 08:00 to 17:30	Most payouts within 2 hours
Other banks	Business days, 08:30 to 17:00	Up to 36 hours (72 hours on weekends and holidays)

If you submit an order outside the receiving bank’s window, the bank processes the payout when that window next opens. The typical settlement time above counts from then.

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