Ratio transactions will appear as "Solid Payments" on your bank statement.
If you have been approved for Instant ACH and are under your daily/weekly limit, you will be able to purchase crypto instantly from your linked bank account. Your crypto transaction is broadcast to the network immediately, meaning crypto will arrive in your wallet in approximately 5-20 minutes.
Note that the funds come out of your bank account 1-2 business. Please ensure that there are sufficient funds in your bank account to cover the transaction.
If you have exceeded your Instant ACH limit, transactions are processed on the Standard ACH schedule (3 business days). The funds will come out of your linked bank account within 1-2 business days and settle with Ratio on the 3rd business day. As soon as funds settle with Ratio we broadcast your transaction to the selected network.
The amount of the digital asset you receive is always based on the exchange rate and network fees at the time we broadcast your transaction to the network.
The cutoff time for Standard ACH transactions is 5:45 PM ET. Transactions submitted after this time are processed on the next business day.