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STEEM is cash, its liquid and can be sent and divided to 0.001, when you Power it up you lock it in. It takes 3 days to power down. I just sold Steem for sbd and transferred sbd to my savings. I might be adding a step here but this is my first time working it out.

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STEEM 0.19
TRX 0.14
JST 0.030
BTC 61240.20
ETH 3247.86
USDT 1.00
SBD 2.45