The exchange process usually takes place in several stages. The user selects an exchanger, after which an exchange request is created. Next, it is necessary to specify the amount, wallet address, and Payoneer details. After sending USDC through the ERC20 network, a transaction occurs. When the service records the receipt of funds, the exchange procedure begins, during which USDC is converted to EUR. After the operation is completed, the money is transferred to Payoneer, and the user can use the funds for financial settlements, transfers, or withdraw them through banking instruments.