If you are buying coffee with crypto, the coffee shop will batch their crypto-to-fiat exchanges to automatically process at the end of the day, similar to how they process credit cards today. As a user, and a patron of the coffee shop, these instant cryptocurrency payments make purchases a lot easier and faster.
If you are buying a car on craigslist with Bitcoin and you don’t want to have to stand there for an extra hour and wait for multiple confirmations, we provide you the option to settle off-chain instantly.
You and your friends all use cryptocurrency with the Hoard app, and are happy to split dinner bills and pay each other back for movie tickets and beers, and you don't care when it gets withdrawn back to fiat.
You can all use the off-chain Smaug network to make these payments to each other instantly.