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

# Fiat Rails

> Supported fiat payment rails for inbound and outbound settlement across USD, EUR, BRL, and MXN.

Pythas supports the following fiat payment rails for inbound and outbound settlement. All rails require completed onboarding and compliance approval before use.

<Warning>
  Always confirm settlement instructions with your Pythas account manager before initiating any transfer. Deposits sent to incorrect details may be delayed or returned.
</Warning>

## Supported rails

<CardGroup cols={2}>
  <Card title="USD — Wire (SWIFT / Fedwire)" icon="building-columns">
    **Direction:** On-Ramp and Off-Ramp

    **Settlement:** Same business day (cutoff 5 PM ET)

    **Coverage:** Domestic and international

    **Provider:** Regulated banking partners
  </Card>

  <Card title="USD — ACH" icon="building-columns">
    **Direction:** On-Ramp and Off-Ramp

    **Settlement:** 1-2 business days

    **Coverage:** US domestic only

    **Provider:** Regulated banking partners
  </Card>

  <Card title="BRL — PIX" icon="bolt">
    **Direction:** On-Ramp and Off-Ramp

    **Settlement:** Near-instant, 24/7

    **Minimum:** \$25,000 USD equivalent

    **Provider:** Local Rail Partner
  </Card>

  <Card title="MXN — SPEI" icon="bolt">
    **Direction:** On-Ramp and Off-Ramp

    **Settlement:** Same day during banking hours

    **Minimum:** \$25,000 USD equivalent

    **Provider:** Local Rail Partner
  </Card>

  <Card title="EUR — SEPA" icon="euro-sign">
    **Direction:** On-Ramp and Off-Ramp

    **Settlement:** 1 business day

    **Minimum:** \$25,000 USD equivalent

    **Provider:** Local Rail Partner
  </Card>
</CardGroup>

## Settlement timing summary

| Rail                   | Currency | On-Ramp                   | Off-Ramp          |
| ---------------------- | -------- | ------------------------- | ----------------- |
| Wire (SWIFT / Fedwire) | USD      | Same day (cutoff 5 PM ET) | Same day or T+1   |
| ACH                    | USD      | 1-2 business days         | 1-2 business days |
| PIX                    | BRL      | Near-instant              | Near-instant      |
| SPEI                   | MXN      | Same banking day          | Same banking day  |
| SEPA                   | EUR      | 1 business day            | 1 business day    |