I think of them as options (in the same way we think of financial options). Someone may receive an option (free or paid) and can optionally execute the atomic swap within a given timeframe.
Open recipient atomic swaps that allow the receiver to execute a fail case in the event the atomic swap fails (e.g. insured loans, secured loans, etc). This would enable 3rd parties (or DAOs) to insure “options”.
Imagine a 1year car loan with monthly repayments. Ownership of the car doesn’t transfer until all 12 repayments are made (i.e. executed options). This could be done a few different ways:
- sequentially where each loan repayment is conditional on the last payment being made
- multiple dependencies where the car transfer just depends on all car repayments being made