> ## Documentation Index
> Fetch the complete documentation index at: https://docs.crossmint.com/llms.txt
> Use this file to discover all available pages before exploring further.

# 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 | <a href="https://www.crossmint.com/contact/sales" target="_blank" rel="noopener">Contact sales</a> |                      |                             |                                |

<Accordion title="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 |
</Accordion>