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

# Availability

> We operate on weekdays - Monday through Friday, excluding Federal Reserve holidays (for USD transactions).

## USD Domestic Payments

### Wire transfers

Wire transfers can be processed Monday through Friday, from 9:00 PM ET of the previous business day through 7:00 PM ET of the current business day.

**Cut-off times:**

* Wire requests received before 3:00 PM ET are typically processed the same business day
* Requests received after 3:00 PM ET may be processed the next business day
* Processing after 5:00 PM ET cannot be guaranteed

**Holds:**

* Outgoing and incoming wires placed on hold before 3:00 PM ET are generally cleared the same business day
* Wires on hold after 3:00 PM ET may be cleared the next business day
* Manual hold clearance is available 9:00 AM to 5:00 PM ET, Monday through Friday

### ACH (Automated Clearing House)

ACH payments process according to NACHA's ACH settlement windows:

**Same Day ACH:**

* Morning window: 10:00 AM ET cut-off
* Afternoon window: 2:00 PM ET cut-off
* Evening window: 4:00 PM ET cut-off

**Standard ACH:** Requests after Same Day cut-offs settle the next business day.

**Settlement:** Same Day ACH settles the current business day. Standard ACH settles the next business day.

<Note>
  **Federal Reserve holiday schedule:** For holidays falling on Saturday, banks are open the preceding Friday. For holidays falling on Sunday, banks are closed the following Monday.
</Note>

***

## International Payments

### SWIFT

SWIFT (Society for Worldwide Interbank Financial Telecommunication) enables secure international payments through a global messaging network between financial institutions.

**Settlement:** Typically 1-5 business days.

### Local rails

Local payment rails like CHATS (Hong Kong) or Mobile Money (Kenya) route payments through banks in the recipient's country.

**Settlement:** Instant to T+2, depending on the local clearing system.