The procedure for exchanging Tether in the ERC20 network for a Monobank card through the GroshX service is designed to be as transparent and secure as possible. The user selects the exchange direction, specifies the amount of Tether, after which the system automatically performs the calculation and shows the result in UAH, taking into account the commission. Next, a request is created, which records the wallet address, payment details, and transaction limit. After sending the Tether token to the ERC20 network, a transaction takes place, which undergoes a standard verification in the blockchain. GroshX uses network monitoring and a reserve balance, which speeds up the exchange and avoids delays. Once the transit payment is confirmed, the money is credited to the Monobank card without the involvement of third parties. An important advantage of GroshX is its focus on secure withdrawals: double control of transactions, transparent financial calculations, and a fixed commission percentage. Users do not need to interact with virtual intermediaries or perform complex actions. This exchange is suitable for both one-time transactions and regular withdrawals.