general:
spirit stone to pounds
1:1
spirit coin to spirit stone
1:100
spirit note to spirit stone
1:10,000
this is the basic currency accepted all over the cultivation world
sects:
sword point to spirit stone
1:10
sword cards can hold an infinite amount of sword points but is only given to inner disciples or higher due to production cost and complexity(basically a bank card)
sword points cannot be bought for spirit stones officially in most sects.