I am not 100% sure to be honest BUT if it isn't possible now it will be in the future through things like Lightning Network (BTC/LTC) + MAST (LTC) and possibly Smart Bridge (ARK). I would be very surprised if what you're asking isn't possible with a combination of those 3 things in the near very future.

As an added sidenote another innovative idea is a mobile wallet that can interact with other users within a radius of their location with ease. The use case would be mainly for retail use where you can easily transact with the vendor simply by being close to the checkout (no need to enter a username or wallet address or anything, the vendor just broadcasts the value at the point of sale and you just pick the vendors request from a proxy list in the wallet and hit sent.

I am sure a lot of this stuff will be a reality in the near future, even if it isn't quite available just yet. Interesting times...