Zelle is a different row if the recipient lives in Zelle. ACH is an account transfer, not “instant to a friend”.
Network left; ACH USD or USD bank account on the right. A bad routing number is the bank’s reject.
ACH is slower than SEPA. The crypto pay window is still about 25 minutes.
Cash in New York or Miami is a city desk, not ACH.
FAQ
ACH or Zelle?
Zelle if they use Zelle. ACH for a bank account.
US cash?
A city desk in New York, Miami and others — not ACH.
Open an exchange ticket · City catalog
