[fn-mote]

Frankly, the number of people that care about no-phone functionality is tiny. I bet the greatest preference is the other way: the ability to use it without a physical card. Everyone has a phone.

Of course you need a backup at some point, but it’s just that: a backup.

[andrepd]

The stated objective of this initiative is to break free of the American Mastercard/Visa duopoly. It would be pretty fucking stupid that if replacement required the use of the American Apple/Google duopoly!

Convenience of use with your phone is one thing. Requiring a (locked-down, attestated) phone to create an account is another thing entirely.

[skeeter2020]

no doubt that is a top FEATURE request, but why do all this work to transfer the system from a US finance oligopoly to a US tech oligopoly?

[whatevaa]

Android and IOS are controlled by US companies. And both google and apple can ban you for no reason.

[brabel]

Touché! Freeing oneself from America is nearly impossible. Unless you’re China, probably.