T+0 settlement
T+0 settlement means a transaction settles on the day it is initiated — "trade date plus zero days." The convention contrasts with T+1 or T+2, where cash or assets arrive one or two business days later. In payments, T+0 means funds are final the same day rather than promised for later.
By Raj Lad, Founder & CTOLast updated July 2026
The T+ notation comes from securities and FX markets, where settlement lags are conventions: US equities shortened from T+2 to T+1 in May 2024, and spot FX still conventionally settles two business days after the trade. Every day of lag is credit exposure and trapped working capital — money that has been sent but cannot yet be used, and a counterparty that could fail before delivering.
Stablecoin settlement is effectively T+0 at any hour: a transfer confirms on-chain in minutes and is final on confirmation, including on weekends when bank rails are closed. Infinite exposes that path behind the same API as ACH, Fedwire, RTP, SWIFT, and FX, so same-day finality is a routing decision rather than a separate integration.
Frequently asked questions
What is the difference between T+0, T+1, and T+2?
The number counts business days between the transaction date (T) and settlement. T+0 settles the same day, T+1 the next business day, T+2 two days later. US equities moved to T+1 in May 2024; spot FX still conventionally settles T+2.
Is T+0 the same as instant settlement?
T+0 means same-day; instant means seconds or minutes. RTP and confirmed stablecoin transfers are instant and final; Same Day ACH and Fedwire during operating hours are T+0 without being instant. Stablecoin settlement
Why does spot FX settle T+2?
Convention: two business days to arrange delivery of both currencies across time zones and correspondent accounts. The lag is where FX settlement risk lives — one side can deliver before the other fails. FX settlement
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