Thanks!
Yes, my hope is that jxl can become an interoperable format for layered images. It does not have all the functionality of image editor formats (PSD, XCF, etc), but it does have a very useful subset of that (named layers with basic blend modes). For interchange, it would be very suitable since it has state of the art compression (both lossy and lossless), does not force you to merge the layers before exporting, while the images can be viewed directly by any application that supports jxl — since the blending happens inside the decoder, the viewing application can be blissfully unaware that it even is a layered image, it will just get the merged image from the decoder if it doesn't ask for the individual layers.