Then it doesn't reflect my experience of cardless transactions with a private key. Everyone uses it here to sign bank transactions online, for a popular phone-n

Then it doesn't reflect my experience of cardless transactions with a private key. Everyone uses it here to sign bank transactions online, for a popular phone-number based transaction service and for government official purposes, like signing your tax declaration form. I have it on the phone, and other apps can request a signature via an API, at which point I get prompted with information on who and what I'm signing for, and for my six digit PIN. Onboarding is elaborate to avoid fraud, but not really complicated, and basically a necessity if you don't want to have to go to a bank office to manage your account and make transactions.