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RE: CASHING OUT SOME SBD TO PROVE TO A FRIEND THE MONEY IS REAL!
Not yet available, but keep an eye out for OCASH "the first all-in-one crypto-ready debit card."
This should help speed things up in the future.
https://blocktrades.us is a great place to quickly exchange STEEM for other crypto, but then you need to get it out somewhere like Coinbase...
I would stay away from Poloniex due to issues on their end with Steem.