ACH Funding Rate History — Settled Payments by Exchange
| Exchange | Settlements | Total Paid | Average APR | Largest | Smallest | Last Settled |
|---|---|---|---|---|---|---|
 Crypto.com | 720 | +9.1914% | +111.91% | +0.0409% | -0.0293% | 2026-09-30 10:00 UTC |
 KuCoin | 90 | +0.9000% | +10.96% | +0.0100% | +0.0100% | 2026-09-30 08:00 UTC |
 Bitget | 90 | +0.9000% | +10.96% | +0.0100% | +0.0100% | 2026-09-30 08:00 UTC |
 BingX | 90 | +0.9000% | +10.96% | +0.0100% | +0.0100% | 2026-09-30 08:00 UTC |
 Gate.io | 90 | +0.9000% | +10.96% | +0.0100% | +0.0100% | 2026-09-30 08:00 UTC |
 Pionex | 90 | +0.8445% | +10.28% | +0.0100% | -0.0119% | 2026-09-30 08:00 UTC |
 Hotcoin | 90 | +0.8421% | +10.25% | +0.0110% | -0.0113% | 2026-09-30 08:00 UTC |
 Binance Futures | 90 | +0.8413% | +10.24% | +0.0100% | -0.0113% | 2026-09-30 08:00 UTC |
 Toobit | 90 | +0.8411% | +10.24% | +0.0100% | -0.0113% | 2026-09-30 08:00 UTC |
 WEEX | 90 | +0.8411% | +10.24% | +0.0100% | -0.0113% | 2026-09-30 08:00 UTC |
 MEXC | 90 | +0.8402% | +10.23% | +0.0100% | -0.0112% | 2026-09-30 08:00 UTC |
 Bitunix | 90 | +0.8338% | +10.15% | +0.0100% | -0.0108% | 2026-09-30 08:00 UTC |
 BloFin | 90 | +0.8213% | +10.00% | +0.0129% | -0.0106% | 2026-09-30 08:00 UTC |
 OKX | 180 | +0.7772% | +9.46% | +0.0050% | -0.0113% | 2026-09-30 08:00 UTC |
 Bybit | 180 | +0.2431% | +2.96% | +0.0050% | -0.0438% | 2026-09-30 08:00 UTC |
What the ACH funding rate means
What ACH actually paid over the last 30 days: 2,160 settlements across 15 venues, broken down venue by venue. These are settled payments — the amount an exchange actually charged or credited each funding interval — not the rate currently quoted for the next payment. Crypto.com paid the most over the window at +9.1914% of position size.
A funding rate quoted right now is a forecast of the next payment; what a position actually earned is the sum of payments that already settled. Two venues can quote a similar rate and still pay very differently over a month, because they settle on different schedules and compute the rate from their own order book rather than a shared index. The rate was positive in 94% of the 2,160 settlements recorded here, meaning longs paid shorts that often.
Over the window, settled totals ranged from +9.1914% on Crypto.com to +0.2431% on Bybit — the gap between them is what a delta-neutral position collecting on both legs would have captured before fees and slippage. Verify the live version of this spread on the ORBIT funding screener before sizing a trade: settled history shows what already happened, not what will happen next.
Frequently asked questions
- Is the ACH funding rate a live quote or an actual payment?
- A funding rate quoted right now is a forecast of the next payment; what a position actually earned is the sum of payments that already settled. Two venues can quote a similar rate and still pay very differently over a month, because they settle on different schedules and compute the rate from their own order book rather than a shared index. The rate was positive in 94% of the 2,160 settlements recorded here.
- Which exchange has paid the most settled ACH funding recently?
- Crypto.com paid the most over the last 30 days at +9.1914% of position size across 720 settlements, an average annualized rate of +111.91%. This is a sum of actual payments, not a forecast.
- How often is ACH funding actually paid?
- Over the last 30 days, ORBIT recorded 2,160 funding settlements for ACH across 15 venues. Settlement schedules differ by venue — some pay hourly, others every 4 or 8 hours — so the number of payments per venue in the table above is not the same for all of them.