No, good callout, cross border fiat token transfers. Central banks are working on native cross border transactions through faster/instant payment system interoperability (Bank for International Settlements working group). Think plugging FedNow into Pix (Brazil), UPI (India), and SEPA (Europe) (just a few examples, there are ~80 instant payment systems in the world as of this comment [1]). You're just pushing XML messages over a bus (ISO 20022 [2]).