Of course there are binary serialization formats that are faster than XML or JSON, and of course they're less error-prone. This has been known for about 40 years now.
JSON/XML are used precisely because people want a human-readable interchange format. For high-performance uses, consider Google's Protocol Buffers or Boost::serialize. You're acting like you just hackathoned the biggest thing since sliced bread, but that's exactly how payloads have been sent (until high-bandwidth made us all lazy) since the inception of the Internet.