[lxgr]

Without getting into the weeds of programming for the secure element (some non-EEA markets only, NDAs, tons of certifications etc.) or restricting yourself to HCE (available only in the EEA), you could also "flip the model around":

ISO 14443 reader access has been available globally, so if you're fine with having to open an app before an interaction with a reader, you could have the reader perform card emulation, and the phone "read/write" it like a tag, i.e. send APDUs which the device behind it then interprets.