/v1/businessAccount/banks/wires to the appropriate rail based on the linked
bank’s capabilities, while PIX and CUBIX have dedicated endpoints. Every rail
below supports both deposits and payouts.
Rail comparison
| Rail | Currencies | Region | Settlement time | API endpoint |
|---|---|---|---|---|
| Fedwire | USD | United States (domestic) | 1–3 business days; same business day if before daily cutoff | /v1/businessAccount/banks/wires |
| SWIFT | USD, EUR | Cross-border | 1–3 business days; longer with intermediary banks | /v1/businessAccount/banks/wires |
| RTP | USD | United States (domestic) | Near-instant, 24/7 | /v1/businessAccount/banks/wires |
| SEPA | EUR | SEPA zone (domestic) | Same or next business day | /v1/businessAccount/banks/wires |
| SEPA Instant | EUR | SEPA zone (domestic) | Near-instant, 24/7 | /v1/businessAccount/banks/wires |
| SPEI | MXN | Mexico (domestic) | Near-instant | /v1/businessAccount/banks/wires |
| CHATS | HKD | Hong Kong (domestic) | Under 5 minutes | /v1/businessAccount/banks/wires |
| Book transfer | USD, EUR | Domestic same-bank | Near-instant, banking hours | /v1/businessAccount/banks/wires |
| PIX | BRL | Brazil (domestic) | Near-instant, 24/7 | /v1/businessAccount/banks/pix |
| CUBIX | USD | Contact Circle | Contact Circle | /v1/businessAccount/banks/cubix |
USD rails
Fedwire
Fedwire is the domestic US wire rail that runs over the Federal Reserve’s wholesale wire system. Wires settle same business day when submitted before the daily Fedwire cutoff; otherwise they settle the next business day. The linked bank must have a US ABA routing number. Use/v1/businessAccount/banks/wires to
link the account and to submit payouts.
SWIFT
SWIFT is the international wire rail and supports both USD and EUR. The linked bank must have a SWIFT/BIC, and for accounts in SEPA-zone countries an IBAN is also required. Settlement typically takes 1–3 business days but can take longer when intermediary banks are involved. Use/v1/businessAccount/banks/wires to
link the account and to submit payouts.
RTP
RTP is the Real-Time Payments network in the United States. It is domestic-only and settles near-instantly, 24/7. There is no separate endpoint: Circle auto-routes deposits and payouts submitted to/v1/businessAccount/banks/wires
over RTP when the linked US bank participates in the network. Per-rail
transaction limits are subject to Circle’s banking partner configuration;
contact Circle to confirm the limit.
CUBIX
CUBIX is a USD rail exposed through a dedicated endpoint,/v1/businessAccount/banks/cubix. Use this endpoint to link a CUBIX-capable
account and to submit deposits and payouts. Contact Circle to confirm the
geographic scope, settlement timing, and account prerequisites for CUBIX before
integrating.
Book transfer
When the linked bank account and a Circle account are held at the same banking partner, Mint can route deposits and payouts as a book-to-book transfer in that bank. These transfers are typically near-instant during banking hours and support USD and EUR. There is no separate endpoint: Mint chooses this path automatically when the linked bank matches.EUR rails
SEPA
SEPA is the Single Euro Payments Area credit transfer rail for accounts in SEPA-zone countries. Settlement is same or next business day. The linked bank must be in a SEPA country and provide an IBAN. Use/v1/businessAccount/banks/wires to link the account and to submit payouts.
SEPA Instant
SEPA Instant settles near-instantly, 24/7, subject to the linked bank’s participation in the SEPA Instant scheme. Use/v1/businessAccount/banks/wires
to link the account and to submit payouts; Circle auto-routes through SEPA
Instant when the linked bank supports it. Per-rail transaction limits are
subject to scheme and banking partner configuration; contact Circle to confirm
the limit.
MXN rails
SPEI
SPEI (Sistema de Pagos Electrónicos Interbancarios) is Mexico’s domestic real-time payment system. Settlement is near-instant. The linked bank must be configured for SPEI. Use/v1/businessAccount/banks/wires to link the account
and to submit payouts.
HKD rails
CHATS
CHATS (Clearing House Automated Transfer System) is Hong Kong’s real-time gross settlement system. Settlement is under 5 minutes. The linked bank must participate in CHATS. Use/v1/businessAccount/banks/wires to link the account
and to submit payouts. Per-rail transaction limits are subject to scheme and
banking partner configuration; contact Circle to confirm the limit.
BRL rails
PIX
PIX is Brazil’s instant payment system, operated by the Banco Central do Brasil. Settlement is near-instant, 24/7. The linked Brazil bank must be enrolled for PIX. PIX uses a dedicated endpoint surface:/v1/businessAccount/banks/pix to
link an account and to submit payouts, and
/v1/businessAccount/banks/pix/{id}/instructions to retrieve deposit
instructions for a linked PIX account.
Once fiat is received and credited to your Circle Mint account, Circle
typically completes onchain minting in 15 minutes. For the full lifecycle from
fiat receipt to onchain credit, see How minting
works.