Well the images need to be in some order, and if you are fine tuning the very initial parts of the image, this can happen.
But it seems a better transfer algorithm could be used for those individual layers. It rather seems like if they don't match, everything's transferred, while there could be a lot better options as well. If we consider that they are structured like file systems then it opens even more options.
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So I took a peek on my local Docker installation. It seems the layer files on the drive are gzipped json.
That's right, .json.gz, _that includes the files BASE64-encoded_.
Yes, I believe there is room for improvement, if this is also the format they are transferred in.