Email signatures. Embed the transparent PNG in your email client and it appears over any background. Some email clients flatten transparency, so test before relying on it.
Contract signing. PDF editors accept transparent PNG signatures. The signature stamps onto the document without a white box.
Document templates. If you sign the same documents repeatedly, a transparent PNG signature can be embedded in the template.
Brand assets. If you have a personal brand that includes a stylized signature, the transparent version drops onto business cards, letterheads, and social media.