Stablecoin transfers through GrabrFi include a regulated U.S. banking step before funds are settled on-chain. This ensures compliance and transparency but means processing follows ACH cut-off times and U.S. banking hours. Transfers sent before the final processing window of the day often complete the same business day. Those sent after cut-off, on weekends, or U.S. holidays are processed the next business day.
ACH processing cut-offs (Checking Account Sends)
08:30 AM CST - 1:15 PM CST - 3:15 PM CST
For same-day delivery, send your transfer before 3:15 PM CST on business days. You’ll always see an estimated delivery date before confirming in-app.
💡 Faster option available
If you send stablecoins from your stablecoin wallet balance, there is no ACH step. Wallet-funded transfers typically complete within minutes, since they only require blockchain confirmation.
Wallet-funded transfers are faster
If you send stablecoins from your stablecoin wallet balance, there is no ACH step. Your wallet balance is already in stablecoins, so the transfer only requires blockchain confirmation.
This typically takes minutes, not hours.
The ACH delay described above applies only to transfers funded from your USD checking account, which require converting USD to stablecoins before the blockchain transfer begins.
Processing time comparison
Send from checking account (USD): ACH processing (same business day) + blockchain confirmation = typically hours
Send from wallet (stablecoin): Blockchain confirmation only = typically minutes
Tip: If you need to send stablecoins quickly, keep a balance in your wallet to avoid ACH delays. You can convert funds from your checking account to your wallet in advance.