Onchain Features · 01 / 8
Always On
Money moves nights, weekends, holidays.
Bank rails close. Fedwire is shut on Saturdays, CLS and T2 on weekends, so a Friday-evening payment waits until Monday. A blockchain has no business hours: every hour of the week is settlement time.
Mon → Sun40 banking hrs
0
Settlement hours a week, onchain
Source · 7 × 24
$0.0B
Settled in USDC on one weekend, outside banks
Source · Off-Hours Cash report
0+
Earliest Fedwire 22×6
Source · Off-Hours Cash report
Today vs Onchain
TodayOnchain
Friday 5pm paymentLands MondayLands in ~0.5s
Weekend margin callNon-bank venuesBank-issued coin
Holiday payrollPre-funded earlyPaid on the day
Cross-time-zone treasuryCut-off jugglingOne continuous day
The Weekend Gap
Drag through the week: every hour a bank rail is closed, value sits idle or moves to venues outside the banking system.
00h06h12h18h24h
Mon
Tue
Wed
Thu
Fri
Sat
Sun
Business hours (illustrative) Waiting for the rail to open
Sent Fri 17:00
Bank rail
+64h
Waits for the next open hour
Tempo
~0.5s
Every hour is settlement time
How It Works on Tempo
01
Validators never close
Simplex BFT finalizes a block about every half second, every day.
02
Payments get reserved space
Payment lanes keep room for transfers, even when traffic spikes.
03
Funds are final on arrival
No weekend batch, no Monday reconciliation run.
In Practice
Stripe· Treasury
Fri → Mon
<1 second
Weekend wires
“It should be easy and instant to move money anywhere in the world.”
Read story
Coastal Bank· Banking
Days
Minutes
Cross-border
“What was particularly interesting about Tempo was that they were focused on a payments-first use case and on enabling the next generation of money movement.”
Read story
OnePay· Consumer fintech
Banking hours
Always-on
Settlement hours
“Tempo's payments-focused architecture and built-in privacy and compliance tooling make it the right infrastructure partner.”
Read storyWhat It Unlocks
01
Weekend sleeves for banks
Deposit Friday, stablecoin over the weekend, deposit Monday.
02
Instant marketplace payouts
Sellers paid when the order ships, not when banks open.
03
24/7 treasury
Sweep and rebalance across entities at any hour.