Stage-by-stage breakdown
Stage 1: Bank transfer arrival
Time: Varies by payment method
This is the longest stage and depends entirely on your bank and the payment rail used.
Payment method | Typical processing time |
SEPA Instant (EUR) | Instant, 24/7 including weekends |
SEPA Credit Transfer (EUR) | Within hours to 24 hours; weekdays only |
ACH Same Day (USD) | Next available Same Day ACH window; weekdays only |
ACH Standard (USD) | First ACH batch of next business day; weekdays only |
Fedwire (USD) | Same-day if sent before 7 PM ET cutoff; weekdays only |
SWIFT (USD) | 1–3 business days depending on correspondent banks |
Stage 2: Currency conversion (FIAT → USDC)
Time: Typically a few minutes
Once your bank transfer is received, Noah converts it to USDC. This usually completes within a few minutes and your transaction status will update to "Ready to finalize".
Stage 3: Finalize transaction
After you tap "Sign to finalize", your funds appear in your Liquid Bank account.
Total time (after bank transfer arrives)
Step | Approx. time |
Currency conversion | ~5 minutes |
Sign to finalize (user action) | Whenever you return to the app |
FAQs
My bank deposit status has been "Bank deposit pending" for a long time. What should I do? This means Hyperbeat hasn't received your bank transfer yet. Processing times vary by bank and payment method - check the table above. If it's been more than 2 business days, contact your bank first to confirm the transfer was sent successfully.
Do I need to do anything while my deposit is converting? No. You'll receive a notification (and see a button in your transaction history) when your funds are ready to finalize. You only need to return to the app to sign at that point.
Can I cancel a deposit once it's been sent? Once your bank transfer has been sent, it cannot be cancelled through Hyperbeat. Contact your bank directly if you need to recall the transfer before it arrives.