I do not know much about NFC, but I would flip the model. Consumers first, developers later. You should build a simple app around it and distribute the cards f

I do not know much about NFC, but I would flip the model. Consumers first, developers later. You should build a simple app around it and distribute the cards for free to consumers. Once you have it in their hands, open the platform and let developers build apps which connect to YOUR cards. Maybe consumers can go to your website and add apps to their cards. Another benefit would be that each consumer will just have one card, but they can hook up 100 apps.