This feature can be very helpful to users where one can opt in to automatically convert to usd iou or any other token.

Example scenario where you have already 100 xrp in your account. But you have a friend that has an agreement with you to pay you in xrp at a later time but not using xumm. You are sleeping and you could set any incoming or in excess to your 100 xrp that numbers of xrp to be received will be automatically converted to usd iou at market price without your intervention, to avoid the volatility overtime. Or make the automatic convert time bounded, say you choose to make the automatic convert turned ON only for 4 hours or you can choose the time.

As an example above, it could be other tokens. When using this feature, trustline should be set first to convert to the token of your choice.