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Transaction Basics

How long does an exchange take from start to finish?

Category: Transaction Basics · Last updated: 10.03.2026

Crypto-to-crypto exchanges typically complete in 10-20 minutes. Crypto-to-fiat exchanges take 15-45 minutes depending on the payment method. The main factors affecting timing are blockchain confirmation speed and payment processing time.

Typical Timeframes

  • Crypto-to-crypto — 10-20 minutes (depends on blockchain network speed)
  • Crypto-to-fiat (bank transfer) — 15-45 minutes (depends on bank processing)
  • Crypto-to-fiat (M-Pesa) — 10-25 minutes
  • Crypto-to-fiat (GCash/Maya) — 10-20 minutes

What Affects Timing

Blockchain network congestion can slow confirmations. Bitcoin typically needs 1-3 confirmations (10-30 min), while USDT on TRC20 needs 20 confirmations (about 1 min). Bank transfers may take longer during weekends or holidays.

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