Bank transfer

ACH: getting paid in US Dollar after selling crypto

ACH is the domestic US rail for everyday amounts. It is cheap but it is not fast: it is the compromise US banks offer by default.

USD
1 country
1 business day(s)
No rail fee
Open

The rail in numbers

All these values come from the catalogue published on this site, and are republished as soon as our own measurements contradict them.

Technical nature: Bank transferBatch settlement, cleared at fixed times on business days. The delay comes from clearing, not from us.
Settlement currency: USD — US DollarIf this is not your account currency, your bank applies its own conversion on arrival. That cost does not go through us and does not appear in our breakdown.
Settlement delay (p50 / p95): 1 day / 3 daysThe median describes the common case, the p95 the slow one. We show both: a median alone hides exactly what worries you.
Operating window: Business days onlyCut-off at 17:00. An order submitted after it goes into the next run, so the next business day.
Min – max per operation: $25.00 – $25,000.00Bounds belonging to the rail. An amount above the cap is split into several payouts, which multiplies any fixed fee accordingly.
Rail fee: No rail feeIts own line in the breakdown, next to the network cost and our spread.
Coverage: 1 countryLocal rail: the country carries its own information (identifier, limits, reporting framework), so each country gets its own corridor page.
Data verified on: 2026-09-02Date of the last manual review of this rail’s delays, limits and fields. Data not reviewed for a long time is suspect data, ours included.

How this rail actually works

Orders are processed in successive windows across banking business days. An order submitted after the cut-off joins the next window, and a weekend or federal holiday shifts everything. A Friday evening deposit typically lands on Tuesday.

Check that the routing number you enter is the ACH one: many US banks publish two, one for ACH and one for wires. Using the wrong one gets the order rejected several days later.

What makes the delay

This rail depends on business-day clearing, with a 17:00 cut-off. An order placed just after waits for the next run: that is what explains a p95 of 3 days, far above the median. On a Friday afternoon that often means arrival on Monday.

Details required from the beneficiary

Every field is validated as you type, with the same rule client-side and server-side. That is what prevents most rejected payouts.

Field	Type	Required	Validation rule	Why
Account holder name	Text	Yes	2 to 140 characters · edges trimmed	Must match the name verified on your ID exactly. A mismatch gets the transfer rejected.
Routing number (ABA)	Text	Yes	exactly 9 digits · digits only kept	9 digits, printed on your check.
Account number	Text	Yes	4 to 17 digits · digits only kept	—
Account type	Select	Yes	2 possible values	—

Account typeaccepted values: Checking, Savings

The rules shown are the ones actually enforced: there is no “marketing” version of this table differing from the code.

Countries where this rail can pay you

Each country page ranks the rails available there by delay and adds the local reporting framework.

United StatesUSD

The 18 assets you can sell to ACH

The asset does not change how the rail works: it changes the confirmation time before the payout leaves, and the spread applied.

Keep going

The catalogue’s three entry points lead to the same place by different routes.

All payout methods The sell catalogue All countries All assets

Frequently asked questions about ACH

How fast does ACH credit my account?

1 business day(s) in half the cases, and up to 3 days in the slowest ones. This rail only runs on business days, with a 17:00 cut-off: an order after that leaves the next business day. These are market orders of magnitude, not a contractual commitment.

What are the minimum and maximum amounts on ACH?

Between $25.00 and $25,000.00 per operation, in US Dollar. These bounds belong to the rail itself. An amount above the cap is split into several payouts, which multiplies any fixed fee accordingly.

What does a ACH payout cost?

No rail fee for the rail itself. That amount appears as its own line in the breakdown, next to the network cost taken from your deposit and our spread. The lines sum to exactly the gap between the mid-market value and what you receive.

What do I need to provide to receive on ACH?

4 fields: Account holder name, Routing number (ABA), Account number, Account type. Every format is validated before the order is accepted, not at send time: a typo is flagged immediately, not three days later as a rejection.

Which assets can I sell to ACH?

18 assets are offered on this rail. The asset does not change how the rail works: it changes the confirmation time before the payout leaves, and the spread applied depending on whether the asset is stable or volatile.

Any pitfall to know about ACH?

Check that the routing number you enter is the ACH one: many US banks publish two, one for ACH and one for wires. Using the wrong one gets the order rejected several days later.