alt Hacker NewsFrankly, 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.
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.