payment_cutoff_times

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Get payment system cutoff times for major clearing systems. Covers RTGS (T2 — formerly TARGET2, CHAPS, Fedwire, BOJ-NET, SIC), net settlement (CHIPS, BACS), SEPA schemes (SCT, SCT Inst, OCT Inst, SDD Core, SDD B2B), FX settlement (CLS, FXYCS), and other systems (CIPS, SPEI, FAST). For same-day EUR guidance: filter by currency="EUR" to retrieve all SEPA schemes plus T2 in one call — the scheme-level view is usually what treasurers need. Underlying CSMs (TIPS, RT1, EURO1, STEP2) are referenced in scheme notes. DST-observing systems also carry `season_now` and `operative_cutoff_today` fields computed for the current date. cutoff_utc/cutoff_local are the STANDARD-TIME (winter) values; summer_offset holds the DST value. Quote the cutoff that `operative_cutoff_today` points at for TODAY's season — do not default to the winter figure when DST is currently in force (e.g. the T2 customer cutoff is 15:00 UTC in summer, not the 16:00 UTC winter value). Args: system: System name (e.g., "T2", "TARGET2", "FEDWIRE", "CHAPS"). Case-insensitive. "TARGET2" and "T2" both resolve to the same entry (T2 is the post-March 2023 name). Omit to list all or filter by currency. currency: ISO 4217 currency code to filter by (e.g., "USD", "EUR"). Examples: payment_cutoff_times(system="T2") payment_cutoff_times(currency="EUR") payment_cutoff_times(currency="USD") payment_cutoff_times()