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How to Exchange USDT for Hryvnia Safely: What to Check

A step-by-step guide to exchanging USDT (TRC20) for hryvnia on a card, with a checklist to help you avoid common mistakes.

Exchanging USDT for hryvnia takes only a few simple steps, but small details — the network, the address, the timing — are what most often cause problems. Here is a short guide and a checklist.

What to prepare

You need USDT on the TRC20 network in your wallet, a small reserve for the network fee (it is charged by the service you send from), and a Visa/Mastercard, PrivatBank or Monobank card to receive hryvnia.

Step by step

  1. Check the website. The browser address should be draxma.io. Draxma never asks for passwords, SMS codes or seed phrases and does not message first from personal accounts.
  2. Choose a direction and look at the rate. For example, the USDT to card exchange rate: as of 2026-10-26 15:38 UTC, 1 USDT = 46.0418 UAH. Rates change, so this is only an example, not a forecast.
  3. Enter the amount and check the limits. The minimum and maximum are shown in the exchange form; the maximum depends on the current reserve.
  4. Check the "You receive" amount. It is final: service fees and the network fee for the payout are already included. Your bank may have its own tariffs — check them.
  5. Enter your card details carefully. Compare the number digit by digit before creating the order.
  6. Create the order. The rate is locked for the period stated in the order — usually 30 minutes. Make sure you send the USDT within that time.
  7. Send USDT on the TRC20 network only to the address in the order. Copy it in full and compare the first and last characters. USDT sent on another network (ERC20, BEP20, etc.) may be lost.
  8. Follow the status. After TRON network confirmations the payout is automatic unless extra verification is needed. It usually takes up to 30 minutes. The status is shown on the order page and sent by email.

Checks worth knowing about

  • Registration is optional: without it you can exchange up to $1,000 per order.
  • Wallet addresses are checked against sanctions lists and the issuer's list of blocked addresses. If the risk is high, the exchange is paused and documents on the origin of funds are requested.
  • Verification (a photo of a document and a selfie) is required from $1,000 per order or $3,000 in total over 30 days, and also when an AML check requests it, whatever the amount.

Common mistakes

  • Sending USDT on the wrong network.
  • Copying the address inaccurately or sending an amount different from the one in the order.
  • Paying late: the order will be recalculated at the current rate, and if it is noticeably worse you will need to choose a new rate or a refund.
  • Landing on a lookalike site via an ad or a random link.
  • Sharing a seed phrase or SMS code with anyone.

If the payout has not arrived and the time is up, open the order page: it should show payout confirmation. If it does not, write in the order chat or press "Open appeal".

Summary: check the website, the TRC20 network, the address and your card details, and follow the order status on its page.

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