[ryukafalz]

There's secure enclave chips and there's the software you actually run on them, and convincing those who can provide you with tokens to do so with your own hardware/firmware. I'm sure this involves a lot of compliance work and it seems to be "contact sales" pricing all around. Too much for a small project like this!

Although this has gotten me looking into what exactly is required to implement mobile payments, and it's given me some clarity. This doc in particular: https://www.uspaymentsforum.org/wp-content/uploads/2019/06/E...

It reads to me like the entity you need an agreement with is a "TSP" (token service provider), and they are at least the sort of organization that you can get a quote from. I don't know if you or the TSP needs an agreement with each bank, but given the relatively slow rollout of Apple Pay support between banks I assume someone somewhere in the chain does.

I can't see the actual specifications though, it costs at least $850/yr as an individual to view them. I did find an old FOSS EMV implementation, but I don't know how much of the spec this implements/what compliance work would be required to use something like it in an actual product: https://github.com/JavaCardOS/OpenEMV

So, thanks for sending me down this rabbit hole. It was somewhat informative at least. :)