turns out the FedWire protocol is open 22 hours / day, 6 days a week. The banks process during biz hours by choice

Talked about this a while ago, but still blows my mind. Etransfer works exactly like you described sending USDC

https://warpcast.com/incarterseyes/0xb17201

Well… unless you’re sending from Coinbase

The worst part of USD wires is that they have a cutoff time? I never ever really understood them.

and if it's a large or international wire you have to wait for the bank to call you to confirm the details, by which time you've missed the cutoff time and then have to wait  for funds to be sent  the following day.