Today we got news, that we have been waiting so long, but what does it mean?
With Stellar, for example, if you want to send your money from Great Britain in pounds to your friend in China, then your transaction will be automatically converted to yuan. I think it's a great step in all development, and with other benefits like cheap transactions, quick settlement and many others.
Tokens can represent a specific value or you can make a crowdfunding, creating tokens with Stellar take about 15 minutes. If you want to get your tokens, here is a link to further instructions.