1

Do you have any plan to support URL file schema in the future?

looks like:
binaryTarget(name: "name", url: "file:///path/package.xcframework.zip", checksum: "checksum")
or
binaryTarget(name: "name", url: "file:///path/package.xcframework)

2

Are you trying to reference a binaryTarget outside of the package? If yes, then most probably it shouldn't be allowed, if no then just use the package relative path parameter:

.binaryTarget(
    name: "name",
    path: "relative-package-path/package.xcframework"           
)