I looked more into it - you are correct, Navigo sounds like it still won't replace a physical card. My understanding is that do to patent royalties wanted by t

I looked more into it - you are correct, Navigo sounds like it still won't replace a physical card. My understanding is that do to patent royalties wanted by the underlying Calypso system, it was not merged into ISO 14443 and deviates in a few ways. Apple has historically implemented more of their NFC stack in hardware than other implementations, so there may be limitations as a result of the with communication with a card reader.