# Withdrawing Your Microworkers Balance with ONTO
#### Key Things to Know before Withdrawing Your Microworkers Balance with ONTO:
You can withdraw your Microworkers balance directly to your ONTO wallet as **BUSD** or into a **Prepaid EURO Mastercard**.
1. **BUSD**
* **BUSD** is a digital currency of type BEP-20, not fiat money
* **BUSD** can be swapped to other digital assets and used for wealth management and investing
* **BUSD** can also be swapped to fiat money on centralized exchanges but will induce a fee and **KYC** verification may be required
2. **Prepaid EURO Mastercard**
* To apply for a card, a passport photo is necessary to perform **KYC** verification
* Your application may be rejected
* Currencies withdrawn would be automatically swapped to **EURO**
**If you have any question regarding ONTO, please email** [**contact@onto.app**](mailto:contact@onto.app)**.**
### Withdraw Funds to ONTO
* Place a new withdrawal request
* Choose ONTO as the withdrawal method
* Fill the withdrawal info and submit
* Wait for Microworkers to review and approve the withdrawal application
### Open ONTO NPay dApp after Approval
* Open the NPay dApp in ONTO Once Microworkers approves the withdrawal
* Check Available Balance
* Click “Withdraw”
### Withdraw Balance to ONTO wallet as BUSD
* Choose “Withdraw BUSD”
* Enter the amount and click “Withdraw”
* Enter password to confirm
* Add, check and use BUSD + the extra bonus (**5 ONG** & **0.01 BNB** for first-time withdrawal in cryptocurrency) on the Assets page
### BUSD (BEP-20)
* BUSD (BEP-20) discussed here is a 1:1 USD-backed digital stablecoin issued on BSC (Binance Smart Chain)
* Make sure you choose the right receiver when you initiate a transfer of your BUSD
* BUSD (BEP-20) can be swapped to other digital assets and used for wealth management and investment
* Add BUSD (BEP-20) to ONTO Assets page
* Click the plus sign on the Assets page
* Then enter BUSD to search
* And then click the plus sign/check on the right side of the search result to add it
### BNB (BSC)
* BNB (BEP-20) discussed here is a digital coin on BSC (Binance Smart Chain)
* Make sure you choose the right receiver when you initiate a transfer of your BNB
* BNB (BSC) is the native coin of BSC (Binance Smart Chain), it is used to fulfil transaction fees
* A balance of about 0.0008 BNB is needed to successfully initiate a transaction
* Each transaction costs about 0.0002 BNB
* First-time users who withdraw BUSD on ONTO Wallet will receive 0.01 BNB as a bonus
* You can get more BNB (BSC) on digital currency exchanges
* Decentralized exchanges such as BakerySwap (see tutorial on the next page)
* Centralized exchanges such as Binance ()
### Swap BUSD to BNB on BakerySwap with ONTO
* Open BakerySwap on the “Market” page
* Click “Exchange”
* Select token “BUSD” and “BNB”
* Click “Approve BUSD”
* Swap: Click “Swap” and then “Confirm Swap”
### Swap BUSD (BEP-20) to Fiat Money
* Laws and regulations on digital currency varies in different countries or regions, please make sure you abide by the related laws and regulations
* BUSD (BEP-20) can be swapped to fiat money on centralized exchanges where users may need to perform KYC verification
* Swap BUSD (BEP-20) to fiat money directly on Binance:
* BUSD (BEP-20) can also be swapped to other digital currency, and then swapped to fiat money on exchanges or OTC (over-the-counter) trading platforms
### Withdraw to a Prepaid EURO Mastercard
* Disclaimer
* To apply for a card, please prepare a passport to perform KYC verification
* Application forms are reviewed by Railone, not ONTO
* Applications may be rejected
* Currencies withdrawn will be automatically swapped to EURO
* Management Fee: 1 EURO/Month
* Charged by Railone
* Cards will turn inactive if management fees are not paid for 6 months
* Current Promotion: 1 EURO/Month
* Provided by ONTO
* Equal to monthly management fee
* Will be sent directly to your card in the following month
### Apply For a Prepaid EURO Mastercard
* Click “Linked Cards” and login on the Railone page
* Fill out the form to apply for a prepaid EURO Mastercard (first time users only)
### Withdraw Balance into a Prepaid EURO Mastercard
* Choose “Withdraw to MasterCard” once the application is approved
* Enter the amount and click “Withdraw”
* Enter password to confirm
* Double check the MasterCard info
* Spend the balance with the card number and CCV on shopping websites
### Generate and View VC (Verified Credential)
* Click “Transactions” at NPay main page
* Click “Generate VC”
* Enter password to confirm and wait until “Success”
* Go back and Click “Linked Accounts”
* Click “My VC” to view VC details
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