> For the complete documentation index, see [llms.txt](https://developers.bead.xyz/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://developers.bead.xyz/faqs-and-troubleshooting/settlement-faqs/settlement-timing-faqs.md). # Settlement Timing FAQs ### When are payments settled by tender type? Crypto payments are settled on a **T+1** cadence. This includes the current supported crypto tender types: * USDC on Solana * USDC on Base * Bitcoin * Bitcoin Lightning Digital wallet payments are settled on a **T+2** cadence. This includes: * PayPal * Venmo Buy now, pay later payments are settled on a **T+5** cadence. This includes: * Klarna ### Does crypto settle on a different schedule than PayPal, Venmo, and Klarna? Yes. Three cadences apply today, by tender category: * Crypto settles **T+1**. * PayPal and Venmo (digital wallets) settle **T+2**. * Klarna (buy now, pay later) settles **T+5**. ### What does T+1, T+2, or T+5 mean? **T+1** means funds are expected to settle one business day after the transaction date or applicable batch date. **T+2** means funds are expected to settle two business days after the transaction date or applicable batch date. **T+5** means funds are expected to settle five business days after the transaction date or applicable batch date. ### Are all crypto networks treated the same for settlement timing? Yes. The currently supported crypto tender types settle **T+1**, including USDC on Solana, USDC on Base, Bitcoin, and Bitcoin Lightning. ### How do weekends and bank holidays affect settlement? Bead payments can be created and completed outside normal banking hours, but settlement deposits are subject to banking network, sponsor bank, and provider availability. If a settlement or deposit date falls on a weekend or bank holiday, the funded deposit may be delayed until the next available banking day. Payment activity that occurs over a weekend or holiday may still be included in Bead's settlement records and batches, but the actual bank-funded movement may not complete until banking rails are available. For reconciliation, partners should use the Settlement and Deposits APIs to confirm settlement status, target payout date, settlement date, dispatched date, and deposit status. --- # Agent Instructions This documentation is published with GitBook. GitBook is the documentation platform designed so that both humans and AI agents can read, navigate, and reason over technical content effectively. Learn more at gitbook.com. ## Querying This Documentation If you need additional information that is not directly available in this page, you can query the documentation by asking a question. Perform an HTTP GET request on the following URL with the `ask` and `goal` query parameters: ``` GET https://developers.bead.xyz/faqs-and-troubleshooting/settlement-faqs/settlement-timing-faqs.md?ask=&goal= ``` `ask` is the immediate question: it should be specific, self-contained, and written in natural language. `goal` is what the user is ultimately trying to achieve, the reason they need the answer. Sharing it helps GitBook give you a better, more relevant answer. A goal is most helpful when it describes the outcome the user wants rather than restating the question. For example, with `ask=how do I create an API token`, a goal like `automate deployments from our CI pipeline` lets GitBook tailor the answer to that use case. The response will contain a direct answer to the question and relevant excerpts and sources from the documentation. Use this mechanism when the answer is not explicitly present in the current page, you need clarification or additional context, or you want to retrieve related documentation sections.