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You can use Blocktrades to convert your steem over to Litecoin, Ethereum or Bitcoin and send it to your Coinbase account to cash out of to your bank account or to any service that allows you to convert crypto to fiat. You could also add a step and first transfer your steem to your Binance account and the sell it to a crypto Coinbase accepts which will net you lower fees generally if you know what you're doing. You could also convert your steem to Bitshares I believe or send to your Bitshares account and use the same techniques for lower fees.

Our earning in musing app comes to steemit profile in My wallet section. You can check you're earning in steemit comment section on your profile and if you have posted in Post to blog section in musing then you can check post at MY blogs section at steemit.com

You can withdraw your steem at any exchanges like Bittrex, Binance etc or many more which steem token are currently listed. You can transfer your steem power to steem and it will take 3 months of time to convert steem power to steem as it is the power you get in the steemit account.

All this depends on the earning you earn and it will appear on MY WALLET section you can click on steem and there will be an option of transfer you can click on transfer and sell them to Blocktrade and further you can easily transfer you steem coin to any exchanges.

Musing does not have their personally token as it is working on the steem platform it gives us steem by writing answer and questions at their platform which after 7 days you can transfer to exchanges from Steemit profile section without any risk involved.

Musing.io uses the Steem Blockchain. So what upvotes you get from Musing will also reflect in the Steem Blockchain.