Having Bitfinex convert it for you would mean that you deposit the USDt to Bitfinex and exchange it for 1 USD. Having Tether convert it for you would mean you have an account with Tether and redeem your USDt. Are you saying you can't redeem your 1 USDt for 1 USD because you don't meet the minimum $100,000 conversion?

Correct, you cannot redeem USDT via Tether, Inc. unless you meet the minimum deposit. You can trade it on various platforms for dollars from other non-Tether-inc participants. This is all on https://tether.to/legal and/or https://tether.to/en/fees

Also you can't redeem USDT if you're a U.S. Person, or if you don't meet their definition of customer, at their sole discretion.

> In order to cause Tether Tokens to be issued or redeemed directly by Tether, you must be a verified customer of Tether. No exceptions will be made to this provision. The right to have Tether Tokens redeemed or issued is a contractual right personal to you. Tether reserves the right to delay the redemption or withdrawal of Tether Tokens if such delay is necessitated by the illiquidity or unavailability or loss of any Reserves held by Tether to back the Tether Tokens, and Tether reserves the right to redeem Tether Tokens by in-kind redemptions of securities and other assets held in the Reserves. Tether makes no representations or warranties about whether Tether Tokens that may be traded on the Site may be traded on the Site at any point in the future, if at all.