Apple will let other digital wallets into Apple Pay, and even be the default
Briefly

"Starting with iOS 18.1, apps can, through the Secure Element (SE) on iOS devices, offer things like in-store payments, car keys, closed-loop transit, corporate badges, and more."
"Developers will need to enter into a commercial agreement with Apple, request the NFC and SE entitlement, and pay the associated fees to use these new features."
Read at Ars Technica
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