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Step-by-step:
1. Buy USDT or USDC on an exchange (Binance, Coinbase, Kraken)
Link to Binance: https://www.binance.com/
Link to Coinbase: https://www.coinbase.com/
Link to Kraken: https://www.kraken.com/



Sepa instant is usually the best choice, less expensive and the transfer is done in seconds.


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2. Go to your Rabby wallet, copy your address (starts with 0x)

3. On the exchange, choose “Withdraw” and paste your address


4. Select Polygon network (low fees) – avoid Ethereum mainnet

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Tip: Send a little extra (e.g., 101 USDT) to cover network fees.
If you’re in Europe, USDC works exactly the same as USDT.