I have found the simplicity and ease of use of the V4V.app + Bitrefill are a step in the right direction. While the availability is limited, I've been quite pleased to be able to take Hive/HBD and turn that into dinner, gas, and to even pay a bill.
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V4V is great for small amounts less than $100 value. It definitely is a great way to spend HIVE/HBD directly on retail purchases with Bitrefill. Or for cash via Lightning.
That makes sense. The cost of the items I listed were all at or below $100USD.