Two Ways to Get Euros From Crypto

If you hold crypto and need euros, LoanCryptoBank gives you two different routes. The first is a crypto-backed loan: your coins stay yours as collateral, you receive money, and you get the crypto back once the loan is repaid. The second is the Exchange, which is simpler and more final. You sell the crypto and receive euros.

Most of this blog has been about loans. This article covers the Exchange: what it supports, how the rate works, which choices matter before you press the button, and how to tell which of the two routes suits your situation.

What the Exchange Supports

The exchange calculator lists what you can send and what you can receive.

On the sending side: BTC, ETH, USDT on TRC-20, USDT on ERC-20 and USDC on ERC-20, as well as SEPA EUR and SWIFT EUR.

On the receiving side: SEPA EUR, SWIFT EUR and Card EUR.

Not every pair is available in every direction. As the page notes, the methods available for a specific direction are shown in the calculator itself, so it’s worth choosing your “send” option first and then checking what appears on the other side.

Reference Rate vs. Confirmed Rate

The calculator shows an estimate, and the page is clear about it: “Estimated amounts. Final exchange rate is confirmed when placing the order.” The current rates listed below it are labelled as reference rates too.

The reason is simple. Crypto prices move constantly, sometimes within seconds. A rate shown to someone who’s just browsing can’t be held indefinitely, so the platform locks the actual rate at the moment you place the order. To see the exact rate including fees, you log in to your account before confirming.

In practice, treat the public number as a planning figure. It tells you roughly what to expect. The confirmed figure in your account is the one that counts, and it’s worth reading before you confirm, especially when the market is moving fast.

USDT on TRC-20 or ERC-20: Why the Network Matters

USDT isn’t tied to a single blockchain. The same stablecoin exists on several networks, and the Exchange accepts it on two of them: TRC-20, which runs on Tron, and ERC-20, which runs on Ethereum. USDC is accepted on ERC-20.

The network matters for two reasons.

It has to match. A deposit address is tied to one network. Sending USDT over Tron to an address that expects Ethereum, or the other way round, can mean a long recovery process or losing the funds altogether. Before sending, check that the network selected in your wallet is exactly the one chosen in the calculator.

The network fee is different. Every transfer pays a fee to the network itself, separate from any exchange fee. On Ethereum it’s paid in ETH and can rise noticeably when the network is busy. On Tron, USDT transfers are usually cheaper, but your wallet needs some TRX (or available energy) to cover them. If you’re moving a small amount, the network fee can take a noticeable bite, so it’s worth checking both options.

SEPA, SWIFT or Card: Choosing How the Euros Arrive

The three payout methods suit different situations.

  • SEPA EUR is the standard choice if your bank account is in the SEPA area, which covers the EU and several neighbouring countries. SEPA is built for euro payments between banks in that zone and is usually the most straightforward route.
  • SWIFT EUR is for accounts outside SEPA. SWIFT transfers can pass through intermediary banks, so they generally take longer and your own bank may apply its own charges on arrival.
  • Card EUR sends the funds to a card. It can be handy if that’s how you plan to spend the money, but check your card’s own limits for incoming amounts before choosing it.

If you’re unsure which one fits, start with your bank. If it has an IBAN in a SEPA country, SEPA is usually the one to use.

Where Verification Comes In

Crypto-to-crypto activity on the platform doesn’t require identity verification. Sending euros to a bank account or a card is different: it’s a banking operation, so verification is part of the process. It’s easier to complete it before your first payout rather than at the moment you need the money.

Exchange or Loan? A Quick Way to Decide

Both routes turn crypto into euros, but they leave you in very different positions afterwards.

The Exchange is the right tool when you’re done with the position. Maybe you’ve taken profit, maybe you need the money permanently, or maybe you simply don’t want exposure to that asset anymore. It’s a sale: once it’s done, the crypto is gone and so is any future upside or downside.

A crypto-backed loan makes more sense when you need cash for a while but want to keep the coins. The crypto stays as collateral, you choose a repayment schedule, and you get it back when the loan is settled. You do pay interest, and if the market falls sharply, the collateral may be subject to a margin call, so it’s a commitment rather than a quick sale.

A simple question helps: *do I want to own this crypto in six months?* If the answer is no, exchange it. If it’s yes, a loan is worth a look.

This article describes how LoanCryptoBank’s public exchange calculator works. It isn’t financial, tax or investment advice. Rates and available methods may change; the confirmed rate in your account is the one that applies.