It is often said that XLM and XRP are used in real life. That someone uses them for cross-border transactions, etc.

Give more information on how to use crypto in real life. I am really interested in this.

Stories about holding crypto on balance and when paying with a credit card, it automatically converts at the current rate. Such stories are not interesting. Any crypto is suitable for this.

For example: in real life, I only use $TON to buy stars on Telegram to later give likes. But they can also be bought for fiat and you don't have to bother with crypto.

I haven't found ways to use other cryptos in real life. I also heard that some accept $LTC , but I haven't found such stores.

Enlighten the foolish hamster on how to use crypto in real life without additional conversion to fiat?

Let's say I want to buy something from items for crypto, without converting to fiat. How can I do this and where?