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

# Processing windows & cutoff times

## **📆 Fiat Rails**

Devdraft accesses fiat rails only on **banking days and during banking hours**, with one exception: **FedNow** operates 24/7/365, including weekends and public holidays. Refer to the table below for **cutoff times** and **settlement speeds** for payments with fiat destinations (**offramps**):

| **Currency** | **Rail**         | **Cutoff (ET)**           | **Settlement Time**                | **Notes**                                                                                                                                                                                                                                                         |
| :----------- | :--------------- | :------------------------ | :--------------------------------- | :---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |
| **USD**      | **Next Day ACH** | 1:00 PM                   | 8:30 AM next business day          | Devdraft submits batches at 1:00 PM ET daily. Post-cutoff, we will process next day. ACH funds typically land in 1–2 **banking** days.                                                                                                                            |
| **USD**      | **Same Day ACH** | 9:30 AM, 1:45 PM, 3:45 PM | 1:00 PM, 5:00 PM, 6:00 PM same day | Same-day settlement at receiving bank. Availability depends on that bank.                                                                                                                                                                                         |
| **USD**      | **Wire**         | 4:45 PM                   | \~2 hours after sending            | Transactions after 4:45 PM ET are sent **next banking day.** Please note that receiving banks may process wires at their own speed.                                                                                                                               |
| **USD**      | **FedNow**       | None                      | Seconds                            | Available 24/7/365, including weekends and public holidays. No cutoff windows. Settlement speed depends on the sending institution's FedNow participation. Not all banks support FedNow yet, but availability is expanding as more institutions join the network. |

## **Onramps (fiat to crypto)**

Devdraft will typically send crypto within minutes of fiat landing in our bank account.