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You cannot 'convert' store credit into real money, Valve does not have a bank license.
Use the store credit for your own purchases.
You won't get that privilege back because you abused it.
You can still gift games, but not with wallet balance.
You willingly set up a commercial business cashing out your wallet funds to purchase game gifts?
Any suspected attempt to convert Wallet balance into cash will earn you permanent wallet gifting ban.