It seems to me that from a technical point of view, these are different things. When you talk about data transfer protocols, you can use them to transfer virtually any data, they only determine the format of their transfer.

You cannot transfer arbitrary money or assets through the bitcoin system. For example, if you want to transfer British Pounds, you first need to find someone willing to exchange their Bitcoins for your British Pounds at the sending location, and then someone else willing to exchange your Bitcoins for their British Pounds at the receiving location. It is impossible to do this automatically only with the functionality embedded in bitcoin.

Thus, bitcoin, of course, allows you to transfer money, but according to certain rules and in fact only bitcoins. Even if we take into account the controversial technology of Ordinals, they also allow you to operate only with certain data, you cannot transfer a random asset with their help.