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Use the internal market to trade with other users at the market rate as long as it is lower than the current price of STEEM. Using the wallet conversion tool assumes that SBD is worth $1 which is not currently true.

Coin Marketplace

STEEM 0.18
TRX 0.13
JST 0.028
BTC 64476.22
ETH 3153.91
USDT 1.00
SBD 2.54