>>60563557Jp morgan (eth/base) and walmart (vechain) is a great example because its confirmed that walmart china partnered with them. Your main argument relies on the assumption that both chains natively support the same time hash function and time-lock mechanisms. Vechain's proof of authority contrasts with base's rollup design, making direct atomic swaps technically complex and risky without a shared protocol.
Both examples have trade offs between your complex but feasible approach versus CCIPs ease of use functionality. Otherwise they would persue atomic swaps rather than what mastercard and chainlink formed.
Atomic swaps = quick and more defined
CCIP = ease of use and standardizes protocols
But regardless both are viable options depending on what the enterprise requires.