Many users are interested in whether it is possible to exchange USDC through Polygon for Monobank in euros without a commission. In practice, completely free exchanges are rare, as any exchange point builds a certain percentage into the rate or sets a commission for the operation. The process usually starts with creating a request. The user specifies the amount of USDC they plan to send and the Monobank details for receiving EUR. After that, the service provides an address to which the token must be sent via the Polygon network, and when the transaction is confirmed, the system fixes the rate and executes the exchange. In some cases, the service may offer a more favorable rate if the transaction amount exceeds a set limit or if there is sufficient EUR reserve available in the system. The final payout size depends on the current rate, commission, and the conditions of the specific platform. It is also worth noting that some exchangers may require user verification. This is a standard procedure that allows confirming the legal nature of the operation and ensuring the security of the funds transfer. After the transfer is completed, the funds are credited to Monobank in EUR, and the user can use euros for further payments.