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The amount of STEEM and Steemdollars in your wallet based on the price in the marketplace as I understand it, if there is more to it than that I do not know about it.

Yeah, to add to that, the average price of Steem the last 3.5 days is displayed on posting rewards and your wallet.

Coin Marketplace

STEEM 0.26
TRX 0.20
JST 0.038
BTC 96128.20
ETH 3711.14
USDT 1.00
SBD 3.86