josh, check out this smartphone app
https://www.bridgewalkerapp.com/
Bridgewalker Bitcoin Wallet
Bitcoin wallet with a twist: Send and receive bitcoins, but hold US dollar. Bridgewalker converts back and forth between bitcoins and US dollar just when you need to send some or receive them. Minimize your exposure to the young currency's exchange rate risk, while taking advantage of its strength for fast and cheap world-wide money transfer with zero risk of identity theft.