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it's simple but a bit confusing.. Let me walk you through it.. First, you have to convert your SP into Steem. Once that is taken care of and you have however much SD ( steem dollars) you want to withdraw via ATM to make transfers easier to the public.. Merchants being the easiest worldwide accept the currency including myself, so if you want to personally trade it I'm happy too.? BTW check out QUIDPOS It's a quick way to convert currency P2P.

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