> ## Documentation Index
> Fetch the complete documentation index at: https://rain-sandbox-trial.mintlify.site/llms.txt
> Use this file to discover all available pages before exploring further.

# Money Movement Limits

> Per-rail limits, expected settlement times, cutoff times and supported use cases for onramps and offramps.

Every fiat rail Rain moves money over settles through a local payment scheme. Use this page to know, before you create a quote or a payment route, whether an amount is in range, how fast funds will land, and by when a transfer must be submitted to settle the same day.

These are the limits Rain enforces.

## Reading the tables

* **Rail** is the value you pass as `destination.rail` when creating a quote or payment route (`source.rail` for onramps).
* **Scheme** is the local payment network the payout clears through (the provider-side rail). It explains the timing below; you always pass the **Rail** value, never the scheme.
* **Use cases** describe who sends and who receives: `B2B` business → business, `B2C` business → individual, `C2B` individual → business, `C2C` individual → individual. **All** means every pairing is supported. The pairing is derived from the sending customer's profile and the destination account's beneficiary type — a payout outside the listed pairings is rejected at quote time.
* **Min / Max** are per transfer in the local fiat currency: the source currency for onramps, the destination currency for offramps. "No cap" means Rain imposes no per-transfer maximum; your organization's own limits still apply.
* **Expected settlement** for onramps is measured from when the sender submits the fiat payment; for offramps, from when the crypto deposit is confirmed. Where it depends on size, the threshold is shown in the currency the scheme measures it in.
* **Cutoff** is the time by which a transfer must be submitted to settle within the stated window, shown with the fixed UTC offset the scheme publishes (not adjusted for daylight saving — e.g. `23:59 (GMT+0)` is 23:59 UTC year-round); "24/7" means the scheme processes around the clock with no cutoff.

## Onramps

Fiat → crypto through an onramp [payment route](/docs/onramps), including [MXN onramps](/docs/onramps#mxn-onramps) over SPEI. Limits and timing apply to each incoming fiat deposit.

| Currency | Country | Rail | Scheme | Use cases | Min | Max | Expected settlement | Cutoff |
| - | - | - | - | - | - | - | - | - |
| USD | United States | `ach` | ACH | All | 0 | No cap | T+0 to T+3 | 22:30 (GMT-4) |
| USD | United States | `wire` | Wire | All | 0 | No cap | T+0 | 16:30 (GMT-4) |
| MXN | Mexico | `mx_spei` | SPEI | All | 0 | No cap | Instant | 24/7 |

## Offramps

Crypto → fiat, one-time through [Offramps with Transfers](/docs/transfers) (quote + transfer), or persistently through an offramp [payment route](/docs/offramps) for USD (`ach`, `wire`) and [MXN](/docs/offramps#mxn-offramps) (`mx_spei`). Limits and timing apply to each payout, whichever way it was created.

| Currency | Country | Rail | Scheme | Use cases | Min | Max | Expected settlement | Cutoff |
| - | - | - | - | - | - | - | - | - |
| USD | United States | `ach` | ACH | All | 0 | No cap | T+0 to T+3 | 22:30 (GMT-4) |
| USD | United States | `wire` | Wire | All | 0 | No cap | T+0 | 16:30 (GMT-4) |
| MXN | Mexico | `mx_spei` | SPEI | All | 0 | No cap | Instant | 24/7 |
| CAD | Canada | `ca_interac` | EFT | All | 0 | 600,000 | T+0 (\< 200k USD); T+0 to T+1 (≥ 200k USD) | 18:00 (GMT-4) |
| BRL | Brazil | `br_pix` | Pix | B2B, B2C | 10 | No cap ¹ | Instant | 24/7 |
| BRL | Brazil | `br_pix` | Pix | C2B, C2C | 10 | No cap | Instant | 24/7 |
| BRL | Brazil | `br_ted` | TED | B2B, B2C | 10 | No cap ¹ | T+0 (\< 200k USD); T+0 to T+1 (≥ 200k USD) | 17:00 (GMT-3) |
| BRL | Brazil | `br_ted` | TED | C2B, C2C | 10 | No cap | T+0 (\< 10k BRL); T+1 to T+3 (≥ 10k BRL) | 17:00 (GMT-3) |
| COP | Colombia | `co_bre_b` | Bre-B | B2B | 1 | No cap | Instant (\< 10k USD); T+1 (≥ 10k USD) | 24/7 |
| COP | Colombia | `co_bre_b` | Bre-B | B2C | 1 | No cap | Instant (\< 25k USD); T+1 (≥ 25k USD) | 24/7 |
| COP | Colombia | `co_bre_b` | Bre-B | C2B, C2C | 1 | No cap | Instant | 24/7 |
| COP | Colombia | `co_ach` | ACH | C2B, C2C | 1 | No cap | T+1 to T+2 | 17:00 (GMT-5) |
| COP | Colombia | `co_mobile_wallet` | Mobile wallet | B2C, C2C | Varies ³ | Varies ³ | Varies ³ | Varies ³ |
| ARS | Argentina | `ar_transfers_3` | CBU/CVU transfer | All | 1 | 26,400,000 | Instant (\< 200k USD); T+0 to T+1 (≥ 200k USD) | Weekdays 17:00, Saturdays 13:00 (GMT-3) |
| EUR | Eurozone | `sepa` | SEPA Instant (SCT Inst) / SEPA Credit Transfer | All | 0 | No cap | Instant (\< 100k EUR); T+1 (≥ 100k EUR) | 24/7 (\< 100k EUR); 13:45 (GMT+0) (≥ 100k EUR) |
| GBP | United Kingdom | `gb_local` | Faster Payments (FPS) | All | 0 | No cap | Instant (\< 100k GBP); T+1 to T+2 (≥ 100k GBP) | 23:59 (GMT+0) |
| KES | Kenya | `ke_pesalink` | PesaLink / EFT | B2B | 100 | No cap | T+0 to T+1 | 24/7 |
| KES | Kenya | `ke_pesalink` | PesaLink / EFT | B2C | 100 | 1,032,500 | T+0 to T+1 | 24/7 |
| KES | Kenya | `ke_pesalink` | PesaLink / EFT | C2C | 10 | 999,999 | T+0 to T+1 | 24/7 |
| NGN | Nigeria | `ng_local` | NIBSS Instant Payment (NIP) | B2C, C2C | 15 | 7,500,000 | Instant | 24/7 |
| NGN | Nigeria | `ng_local` | NIBSS Instant Payment (NIP) | B2B, C2B | 15 | 7,500,000 | T+1 | 16:00 (GMT+1) |
| ZAR | South Africa | `za_local` | EFT / PayShap | C2C | 0 | 5,000,000 | Instant | 23:00 (GMT+2) |
| ZAR | South Africa | `za_local` | EFT / PayShap | B2B, B2C, C2B | 0 | 5,000,000 | T+0 | 12:00 (GMT+2) |
| SAR | Saudi Arabia | `sa_mada` | Sarie | All | 0 | No cap | Instant | 24/7 |
| INR | India | `in_imps` | IMPS | B2C, C2C | 0 | 500,000 | Instant | 24/7 |
| INR | India | `in_neft` | NEFT | B2C, C2C | 0 | 500,000 | Same day, half-hourly batches ² | 24/7 |
| INR | India | `in_imps` | IMPS | C2B | 0 | 1,500,000 | Instant | 24/7 |
| INR | India | `in_neft` | NEFT | C2B | 0 | 1,500,000 | Same day, half-hourly batches ² | 24/7 |
| INR | India | `in_imps` | IMPS | B2B | 0 | 1,500,000 | T+1 | 18:00 (GMT+5:30) |
| INR | India | `in_neft` | NEFT | B2B | 0 | 1,500,000 | T+1 | 18:00 (GMT+5:30) |
| PHP | Philippines | `ph_local` | InstaPay / PesoNet | All | 0 | 25,000,000 | Instant (≤ 50,000 PHP); T+1 (> 50,000 PHP) | 24/7 (≤ 50,000 PHP); 14:00 (GMT+8) (> 50,000 PHP) |
| AED | United Arab Emirates | `ae_uaefts` | Aani | All | 3.68 | No cap | Instant (\< 200k USD); T+0 to T+1 (≥ 200k USD) | 24/7 |
| AUD | Australia | `au_becs` | NPP | All | 0 | No cap | Instant (\< 200k USD); T+0 to T+1 (≥ 200k USD) | 24/7 |
| MYR | Malaysia | `my_duitnow` | PayNet | B2B, B2C, C2B | 1 | 1,000,000 | Instant | 24/7 |
| MYR | Malaysia | `my_duitnow` | PayNet | C2C | 1 | 50,000 | Instant | 24/7 |
| TRY | Turkey | `tr_local` | FAST | B2C, C2B, C2C | 0 | 1,000,000 | Instant | 24/7 |
| TRY | Turkey | `tr_local` | FAST | B2B | 0 | 5,000,000 | T+1 | 18:00 (GMT+3) |
| IDR | Indonesia | `id_local` | BI-Fast | All | 10,000 | 250,000,000 | Instant (\< 200k USD); T+0 to T+1 (≥ 200k USD) | 24/7 |
| CNY | China | `cn_cnaps` | CNAPS / IBPS | B2B | 0 | 10,000,000 | T+3 (\< 200k USD); T+3 to T+4 (≥ 200k USD) | 16:00 (GMT+8) |
| CLP | Chile | `cl_tef` | CCA / TEF | All | 0 | No cap | Instant | 23:59 (GMT-3) |
| PEN | Peru | `pe_cce` | CCE | B2C | 1 | 20,000 | T+1 | 15:00 (GMT-5) |
| THB | Thailand | `th_local` | PromptPay | All | 50,000 | 500,000 | Instant (\< 200k USD); T+0 to T+1 (≥ 200k USD) | 24/7 |
| VND | Vietnam | `vn_ibps` | NAPAS | All | 0 | No cap | Instant (\< 500M VND); T+0 (≥ 500M VND) | 24/7 (\< 500M VND); 15:00 (GMT+7) (≥ 500M VND) |
| DOP | Dominican Republic | `do_ach` | SIPARD | B2B, B2C, C2C | 0 | No cap | T+0 | 17:00 (GMT-4) |
| HNL | Honduras | `hn_local` | LBTR | B2C, C2C | 0 | 52,900 | Instant | 24/7 |
| UYU | Uruguay | `uy_local` | SPI | B2C, C2B, C2C | 1 | 5,000,000 | T+0 | 15:00 (GMT-3) |
| UYU | Uruguay | `uy_local` | SPI | B2B | 1 | 5,000,000 | T+1 | 15:00 (GMT-3) |

¹ Transfers of 40,000 BRL or more per transaction, or totaling 40,000 BRL or more per month, may be subject to additional review before settlement.

² NEFT clears in half-hourly batches rather than in real time; for an instant INR payout use `in_imps`.

³ `co_mobile_wallet` limits and timing depend on the beneficiary's wallet:

| Wallet | Use cases | Min | Max | Expected settlement | Cutoff |
| - | - | - | - | - | - |
| Nequi | B2C, C2C | 1 | No cap | Instant | 24/7 |
| Daviplata | B2C, C2C | 1,000 | 7,000,000 | Instant | 24/7 |
| Movii | C2C | 20,000 | No cap | T+1 | 18:00 (GMT-5) |
| AstroPay | C2C | 0.01 | No cap | Instant | 24/7 |

<Info>
  A quote whose amount falls outside the corridor's limits fails with
  `invalid_amount`. Settlement and cutoff times are set by the local scheme and
  can change; treat them as expectations, not guarantees.
</Info>

### Available upon request

These corridors can be enabled for your organization by your Rain representative; the rail value to use is shared during enablement.

| Currency | Country | Scheme | Use cases | Min | Max | Expected settlement | Cutoff |
| - | - | - | - | - | - | - | - |
| AOA | Angola | Afrimoney Angola | C2C | 100 | 200,000 | Instant | 24/7 |
| AOA | Angola | Afrimoney Angola | B2C | 0 | No cap | Instant | 24/7 |
| BDT | Bangladesh | NPSB / BD-RTGS | B2C, C2C | 0 | No cap | T+2 | 15:00 (GMT+6) |
| BOB | Bolivia | ACCL | All | 1 | 10,000,000 | Instant | 15:00 (GMT-4) |
| CRC | Costa Rica | SINPE (Sistema Nacional de Pagos Electrónicos) | All | 0 | 67,500,000 | Instant (\< 200k USD); T+0 to T+1 (≥ 200k USD) | 24/7 |
| CZK | Czechia | CERTIS (Czech Exchange Rate and Telegraph Transfer Clearing System) | B2B | 0 | No cap | T+1 (\< 200k USD); T+1 to T+2 (≥ 200k USD) | 22:00 (GMT+1) |
| CZK | Czechia | CERTIS (Czech Exchange Rate and Telegraph Transfer Clearing System) | B2C, C2B, C2C | 0 | No cap | Instant (\< 200k USD); T+0 to T+1 (≥ 200k USD) | 22:00 (GMT+1) |
| DKK | Denmark | TIPS | All | 0 | No cap | Instant (\< 1.5M DKK); T+1 to T+3 (≥ 1.5M DKK) | 15:15 (GMT+2) |
| EGP | Egypt | IPN for Instant, ACH | All | 10 | No cap | Instant (\< 200k USD); T+0 to T+1 (≥ 200k USD) | 11:00 (GMT+3) |
| ETB | Ethiopia | EthioPay-IPS | All | 100 | No cap | T+0 | 24/7 |
| GHS | Ghana | GhIPSS | All | 0 | 100,000 | Instant | 24/7 |
| GTQ | Guatemala | IFT, ACH GT | B2C, C2C | 8 | 3,770 | T+0 to T+1 | 15:25 (GMT-6) |
| HUF | Hungary | AFR | B2B | 0 | No cap | T+1 | 10:00 (GMT+1) |
| HUF | Hungary | AFR | B2C, C2B, C2C | 0 | No cap | T+0 | 12:30 (GMT+1) |
| ILS | Israel | Masav Faster Payments | B2B | 0 | 600,000 | Instant (\< 200k USD); T+0 to T+1 (≥ 200k USD) | 24/7 |
| ILS | Israel | Masav Faster Payments | B2C, C2B, C2C | 0 | 25,000 | Instant (\< 200k USD); T+0 to T+1 (≥ 200k USD) | 24/7 |
| JMD | Jamaica | ACH | B2B, B2C, C2C | 0 | 772,091 | T+1 | 16:00 (GMT-5) |
| JPY | Japan | Zengin | B2C, C2C | 0 | 1,000,000 / transaction ³ | T+1 (\< 200k USD); T+1 to T+2 (≥ 200k USD) | 15:00 (GMT+9) |
| MWK | Malawi | NatSwitch | B2B | 100 | No cap | Instant | 24/7 |
| MWK | Malawi | NatSwitch | C2C | 0 | No cap | Instant | 24/7 |
| NPR | Nepal | connectIPS, NCHL-IPS | B2C, C2C | 1 | 1,000,000 | Instant | 24/7 |
| NPR | Nepal | connectIPS, NCHL-IPS | B2B, C2B | 1 | 1,000,000 | T+2 | 13:00 (GMT+5:45) |
| NOK | Norway | Straks/NICS Real, NICS NETTO | All | 0 | No cap | Instant (\< 100k EUR); T+1 (≥ 100k EUR) | 24/7 (\< 100k EUR); 13:45 (GMT+1) (≥ 100k EUR) |
| PKR | Pakistan | Raast | B2C, C2C | 0 | No cap | Instant | 24/7 |
| PLN | Poland | Elixir / Blue Cash | All | 0 | No cap | T+1 (\< 200k USD); T+1 to T+2 (≥ 200k USD) | 10:00 (GMT+1) |
| QAR | Qatar | QATCH | All | 100 | 1,000,000 | T+1 | 12:00 (GMT+3) |
| RON | Romania | RTGS | All | 0 | No cap | T+0 to T+1 (\< 200k USD); T+1 to T+2 (≥ 200k USD) | 10:00 (GMT+1) |
| RWF | Rwanda | RIPPS | B2B, B2C, C2C | 0 | No cap | T+3 | 18:00 (GMT+2) |
| RSD | Serbia | NBS RTGS / SEPA | All | 0 | No cap | T+1 | 12:30 (GMT+2) |
| SGD | Singapore | FAST (Fast And Secure Transfers) | All | 0 | 200,000 | Instant (\< 200k USD); T+0 to T+1 (≥ 200k USD) | 24/7 |
| KRW | South Korea | KTFC | All | 0 | No cap | Instant (\< 200k USD); T+0 to T+1 (≥ 200k USD) | 24/7 |
| LKR | Sri Lanka | CEFTS | All | 100 | 5,000,000 | Instant | 24/7 |
| SEK | Sweden | Bankgirot | All | 0 | No cap | T+2 (\< 200k USD); T+2 to T+3 (≥ 200k USD) | 15:15 (GMT+2) |
| CHF | Switzerland | SIC (Swiss Interbank Clearing) / SIC Instant | All | 0 | No cap | Instant (\< 200k USD); T+0 to T+1 (≥ 200k USD) | 13:45 (GMT+2) |
| TZS | Tanzania | Tanzania Integrated Payment System (TIPS) | C2C | 1,000 | 8,000,000 | T+2 | 15:40 (GMT+3) |
| TZS | Tanzania | Tanzania Integrated Payment System (TIPS) | B2B, B2C, C2B | 1,000 | 10,000,000 | T+2 | 15:40 (GMT+3) |
| UGX | Uganda | EFT | C2C | 5,000 | 30,000,000 | T+3 | 09:00 (GMT+3) |
| UAH | Ukraine | SEP | B2C | 50 | 399,999 | T+0 | 15:00 (GMT-5) |
| UAH | Ukraine | SEP | C2C | 50 | 399,999 | Instant | 24/7 |
| XOF | West Africa (WAEMU) | PAPSS | All | 0 | No cap | T+1 | 07:55 (GMT+1) |
| INR | India | UPI | B2C, C2C | 0 | 200,000 | Instant | 24/7 |

³ JPY is also capped at 3,000,000 per day, 3,000,000 per month and 8,000,000 per year.

See [Payment Account Details](/docs/payment-account-details) for the bank fields each rail requires when creating the destination payment account.