Swift's testing some new stuff to link fiat with tokenized assets, and they're doing it with chainlink on the ethereum sepolia testnet. sounds like a big deal, right? but i'm not sure how this'll play out. they're talking about real-time payments and exchanges on the swift network, which could be cool. but starting with fiat and then maybe moving to digital assets later? seems like a lot of "ifs" and "maybes". plus, with all the regulatory stuff going on, who knows if this'll even get off the ground. anyone else think this could be more hype than reality? or am i just being too cautious?