You don't need to unwrap it if you pull it into your own mint. But you do need to withdraw it from the issuer mint on receipt, whether by unwrapping (to a Lightning wallet) or taking into your own mint (which is technically also just a Lightning wallet at the end of the day).

It's basically not something you want to hodl, but it's very easy to verify that you have the tokens before e.g. completing a sale. It's just better privacy and does not require both transacing parties to be online at the same time. (The mint does, ofc.)