# Delivery times

## ⬆️ On ramp

### 🏦 By bank transfer

The table below shows the time it usually takes for us to receive an incoming bank transfer, depending on its type:

| Transfer type              | Time              |
| -------------------------- | ----------------- |
| CHF transfer (Switzerland) | 0-1 business day  |
| SEPA (Europe)              | 1-2 business days |
| SEPA Instant (Europe)      | Instant\*         |
| SWIFT (rest of the world)  | 1-5 business days |

{% hint style="info" %}
\* When buying crypto through instant transfers, we will instantly receive the user's payment but it won't guarantee that we will instantly deliver the crypto. We will do so on a best effort basis, but it won't always be possible (for compliance or liquidity reasons, for instance).
{% endhint %}

{% hint style="info" %}
Business days: Monday to Friday
{% endhint %}

{% hint style="info" %}
Please note that bank transfer times are not an exact science and that not all banks process transfers at the same speed.
{% endhint %}

### 💳 By card, Google Pay, Apple Pay

When buying crypto by card, we will instantly receive the user's payment but it won't guarantee that we will instantly deliver the crypto. We will do so on a best effort basis, but it won't always be possible for various compliance or liquidity reasons, notably:

1. Crypto bought by card usually take a few minutes to appear in the end user's wallet. In some cases, it can take up to several hours in case of network congestion.
2. If a user makes several card purchases in a row, he may be flagged by our system for manual processing and his transaction will therefore take longer to be delivered.

## ⬇️ Off ramp

### 🏦 By bank transfer

The table below shows the time it usually takes for a bank transfer to arrive on the user's destination bank account depending on its location:

| Transfer sent to           | Time              |
| -------------------------- | ----------------- |
| CHF transfer (Switzerland) | 0-1 business day  |
| SEPA (Europe)              | 1-2 business days |
| SEPA Instant (Europe)      | Instant \*        |
| SWIFT (rest of the world)  | 1-5 business days |

{% hint style="info" %}
\* Cash outs in euro are sent by SEPA Instant for amounts below €1400 (or equivalent), and by regular SEPA above. Cash out below €1400 might still be sent over regular SEPA in some cases, SEPA Instant is provided on a best effort basis.

\* Instant cash outs to a new bank account will take \~1h (Monday to Friday). Larger amounts may also trigger extra checks, which can slow down the processing of an operation.
{% endhint %}

{% hint style="info" %}
Business days: Monday to Friday
{% endhint %}

{% hint style="info" %}
Please note that bank transfer times are not an exact science and that not all banks process transfers at the same speed.
{% endhint %}

## 💱 Swap

When swapping crypto, we will receive the user's crypto transfer as soon as the transaction will have been mined, but it won't guarantee that we will instantly deliver the crypto. We will do so on a **best effort basis**, but it won't always be possible (for compliance or liquidity reasons, for instance).


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