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

# Coverage

> Explore payment rails and supported pairs

## Payment rails

| **Type**                                                                                                | **Country/Region**  | **Settlement Time**                             |
| :------------------------------------------------------------------------------------------------------ | :------------------ | :---------------------------------------------- |
| International SWIFT                                                                                     | Global              | 1-5 business days                               |
| PIX                                                                                                     | 🇧🇷 Brazil         | Instant                                         |
| ACH                                                                                                     | 🇺🇸 United States  | 1-2 business days                               |
| FEDWIRE                                                                                                 | 🇺🇸 United States  | Same day                                        |
| SEPA                                                                                                    | 🇪🇺 Europe         | Less than €100k: Instant; Other: 1 business day |
| SWIFT (EUR) <Badge color="purple" shape="pill" size="xs" className="badge-padding">Q3/2026</Badge>      | 🇪🇺 Europe         | 1-5 business days                               |
| SPEI                                                                                                    | 🇲🇽 Mexico         | Instant                                         |
| ACH <Badge color="purple" shape="pill" size="xs" className="badge-padding">Q3/2026</Badge>              | 🇨🇴 Colombia       | 1 business day                                  |
| Bre-B <Badge color="purple" shape="pill" size="xs" className="badge-padding">Q3/2026</Badge>            | 🇨🇴 Colombia       | Instant                                         |
| Transfers 3.0 <Badge color="purple" shape="pill" size="xs" className="badge-padding">Q3/2026</Badge>    | 🇦🇷 Argentina      | Instant                                         |
| Instant Payments <Badge color="purple" shape="pill" size="xs" className="badge-padding">Q3/2026</Badge> | 🇬🇧 United Kingdom | Instant                                         |

To enable a rail for a customer, request the corresponding currency in the `accounts` array when you [create the customer](/guides/create-a-customer). For per-rail cut-off times, see [Payment rail cut-off times](/additional-information/sla-and-cutoffs). For the list of jurisdictions where Lumx onboards customers, see [Supported countries](/compliance/supported-countries).

## Supported pairs

All supported fiat-to-stablecoin and stablecoin-to-fiat conversion routes:

| **Blockchain** | **Currency** | **BRL**                                                                                  | **USD**                                                                                  | **EUR**                                                                                  | **MXN**                                                                                  |
| :------------- | :----------- | :--------------------------------------------------------------------------------------- | :--------------------------------------------------------------------------------------- | :--------------------------------------------------------------------------------------- | :--------------------------------------------------------------------------------------- |
| Ethereum       | USDC         | <Badge color="purple" shape="pill" size="xs" className="badge-padding">Supported</Badge> | <Badge color="purple" shape="pill" size="xs" className="badge-padding">Supported</Badge> | <Badge color="purple" shape="pill" size="xs" className="badge-padding">Supported</Badge> | <Badge color="purple" shape="pill" size="xs" className="badge-padding">Supported</Badge> |
| Ethereum       | USDT         | <Badge color="purple" shape="pill" size="xs" className="badge-padding">Supported</Badge> | <Badge color="purple" shape="pill" size="xs" className="badge-padding">Supported</Badge> | <Badge color="purple" shape="pill" size="xs" className="badge-padding">Supported</Badge> | <Badge color="purple" shape="pill" size="xs" className="badge-padding">Supported</Badge> |
| Polygon        | USDC         | <Badge color="purple" shape="pill" size="xs" className="badge-padding">Supported</Badge> | <Badge color="purple" shape="pill" size="xs" className="badge-padding">Supported</Badge> | <Badge color="purple" shape="pill" size="xs" className="badge-padding">Supported</Badge> | <Badge color="purple" shape="pill" size="xs" className="badge-padding">Supported</Badge> |
| Polygon        | USDT         | <Badge color="purple" shape="pill" size="xs" className="badge-padding">Supported</Badge> | <Badge color="purple" shape="pill" size="xs" className="badge-padding">Supported</Badge> | <Badge color="purple" shape="pill" size="xs" className="badge-padding">Supported</Badge> | <Badge color="purple" shape="pill" size="xs" className="badge-padding">Supported</Badge> |
| Base           | USDC         | <Badge color="purple" shape="pill" size="xs" className="badge-padding">Supported</Badge> | <Badge color="purple" shape="pill" size="xs" className="badge-padding">Supported</Badge> | -                                                                                        | <Badge color="purple" shape="pill" size="xs" className="badge-padding">Supported</Badge> |
| Tron           | USDT         | <Badge color="purple" shape="pill" size="xs" className="badge-padding">Supported</Badge> | <Badge color="purple" shape="pill" size="xs" className="badge-padding">Supported</Badge> | <Badge color="purple" shape="pill" size="xs" className="badge-padding">Supported</Badge> | <Badge color="purple" shape="pill" size="xs" className="badge-padding">Supported</Badge> |