This is what I understand; to ensure that the money of crypto money and / or shoppers is not affected by any price fluctuations while waiting in the Intermediary Institution. So you buy goods from e-bay and you give 1 BTC. Until you will receive the goods, and then you will approve it and the money will be transferred from the pool to the seller, the btc currency may down from 6000 dollar to 3000 dollar. I understand that they are trying to ease this fluctuation and facilitate shopping with crypto.