It sounds like they say 'create 100 accounts with 1 coin in it', then when you want to send, say, 23 coins, you give the recipient the private keys to 23 of those accounts.
Which 1) only works if you trust the sender or 2) immediately transfer the funds out in which case you're still rate limited by the root chain.
Which 1) only works if you trust the sender or 2) immediately transfer the funds out in which case you're still rate limited by the root chain.