There's no way to have a "real-time blockchain". A blockchain requires a certain amount of time between blocktimes. The reason satoshi a 10 minute blocktime to bitcoin is to avoid orphans forming due the network going out of sync with the rest of the world... you have to take into account the speed of light. This is why lowering the blocktime really solves nothing.

The only "realtime" payments you could get is through layer 1. This is what Andreas A calls as "streaming money" where you could be getting paid by the second.