Yeah, the only good use cases I heard for wanting real time payments had to do with businesses not wanting to keep cash reserves on site at all times. The two I recall were
(1) in businesses that have variable payment demand (think scrap yards that buy scrap material from anyone that walks up) and they currently handle this by keeping large amounts of cash on site in a safe
(2) some states where when a hourly employee is terminated, due to regulations it's easiest to pay them out for hours worked on the spot and this is currently usually handled in cash that's kept in a safe on site
I might be forgetting some details on the whys but it seemed like they wanted a way to avoid having to secure cash funds.
