I don’t need to hold XLM to send a payment. I can send USD and it automatically converts to the recipient’s currency through the order book. That’s seamless. It’s like automatic forex with no spread. I’ve used it to pay a freelancer in Europe from my US bank account. They received euros without any intermediary. That’s the promise of global finance. Satoshi dreamed of borderless money. Stellar made that dream practical. If you want to understand how path payments work under the hood, this guide is the best I’ve read.