This document discusses potential issues with using ERC20 tokens to allow streaming payments from one address to another in smart contracts. It notes that requiring allowance approvals poses a usability problem. It then evaluates three options to address this problem: using the ERC-777 standard, wrapping tokens in an ERC-1155 standard which requires users to convert their tokens, or having users sign two transactions which has slightly worse UX but maintains backwards compatibility with existing ERC20 tokens. In the end, having users sign two transactions is presented as the best option for balancing usability and backwards compatibility.