Fiat Rails
LINK accesses fiat rails only on banking days and during banking hours. Refer to the table below for settlement speeds for payments with fiat rails:| Currency | Rail | Onramp Settlement Time | Offramp Settlement Time |
|---|---|---|---|
| USD | Wire | 0-1 business day | 0-1 business day |
| USD | SWIFT | 0-3 business days | 0-3 business days |
| USD | RTGS | 0-1 business day | N/A |
| EUR | SEPA Transfer | 0-2 business days | 0-2 business days |
| EUR | SEPA Instant Transfer | 0-1 business day | N/A |
| EUR | TARGET2 Transfer | 0-1 business day | N/A |
| EUR | SWIFT | 0-3 business days | 0-3 business days |
| EUR | Local UK Payout | N/A | 0-2 business days |
| GBP | Faster Payments | 0-1 business day | 0-1 business day |
| GBP | CHAPS | 0-1 business day | 0-1 business day |
| GBP | BACS | 1-2 business days | N/A |
| GBP | SWIFT | 0-3 business days | 0-3 business days |
| NGN | Bank Transfer | Instant | Instant |
| ZAR | Bank Transfer | N/A | 0-2 business days |
| ZAR | SWIFT | 0-3 business days | 0-3 business days |
| BRL | PIX | Instant | Instant |
| BRL | Bank Transfer | N/A | 0-1 business day |
| MXN | SPEI | 0-1 business day | 0-1 business day |
| MXN | SWIFT | 0-3 business days | 0-3 business days |
| PHP | InstaPay | Within 10 minutes | Within 10 minutes |
| PHP | PESONet | 0-1 business day | 0-1 business day |
| PHP | E-wallet | Instant | Instant |
| SGD | FAST | 0-1 business day | 0-1 business day |
| SGD | GIRO | 1-2 business days | 1-2 business days |
| SGD | MEPS | 0-1 business day | N/A |
| SGD | RTGS | 0-1 business day | 0-1 business day |
| SGD | SWIFT | 0-3 business days | 0-3 business days |
| AED | IPI | 0-1 business day | 2-3 business days |
| AED | RTGS | 0-1 business day | N/A |
| AED | SWIFT | 0-3 business days | 0-1 business day |
| IDR | Bank Transfer | N/A | N/A |
| CAD | EFT | 0-1 business day | 0-1 business day |
| CAD | Interac | 0-1 business day | 0-1 business day |
| CAD | Bill Payment | N/A | 3-4 business days |
| CAD | SWIFT | 0-3 business days | 0-3 business days |
| AUD | Bank Transfer | 0-1 business day | 0-2 business days |
| AUD | BPAY | N/A | 0-1 business day |
| AUD | NPP | N/A | 0-1 business day |
| AUD | SWIFT | 0-3 business days | 0-3 business days |
| ILS | Faster Payments, MASAV & ZAHAV | 0-1 business day | 1-2 business days |
| ILS | SWIFT | 0-3 business days | 0-3 business days |
| CNY | ACH | 1-2 business days | 1-2 business days |
| CNY | FPS | 0-1 business day | 0-1 business day |
| CNY | RTGS | 0-1 business day | 0-1 business day |
| CNY | SWIFT | 0-3 business days | 0-3 business days |
| HKD | ACH | 1-2 business days | 1-2 business days |
| HKD | FPS | 0-1 business day | 0-1 business day |
| HKD | RTGS | 0-1 business day | 0-1 business day |
| HKD | SWIFT | 0-3 business days | 0-3 business days |
| EGP | Bank Transfer | N/A | 1-2 business days |
| GHS | SWIFT | N/A | 0-3 business days |
| MWK | Bank Transfer | N/A | 2-3 business days |
| NAD | Bank Transfer | N/A | 2-3 business days |
| XAF | Bank Transfer | N/A | 2-3 business days |
| XOF | Bank Transfer | N/A | 2-3 business days |
| ZMW | Bank Transfer | N/A | 2-3 business days |
| INR | Bank Transfer | N/A | 0-2 business days |
| KRW | Bank Transfer | N/A | 0-1 business day |
| BWP | Bank Transfer | N/A | 2-3 business days |
| MYR | Bank Transfer | N/A | 0-2 business days |
Onramps (fiat to stablecoins)
LINK will typically send stablecoins within minutes of fiat landing in our bank account.Fees & Minimums for B2B APIs Banking Object Requirements