Doesn’t NFC work just fine for most third parties? I have various cards that all work for payment, including a third party credit card (ie. not Apple Pay), mass

Doesn’t NFC work just fine for most third parties? I have various cards that all work for payment, including a third party credit card (ie. not Apple Pay), mass transit pass, a student card which has payment functionality in addition to key card access to doors. I guess Apple still has final say-so, so an individual can’t create an NFC for her home, or is this possible now? Then again, when it comes to zero-knowledge, do you really want Apple knowing when you open and close your doors? From a privacy perspective this is a double-edged sword. The browser for me is still an issue. I know the question is more broad, but if Firefox could run natively on iOS, I’d feel substantially better about Apple’s promise to be more privacy-oriented. I don’t expect their platform to have zero telemetry, but it is larger projects like this that speak volumes to me because that indicates they at least entertain the notion of privacy for people who care enough to try to opt out of tracking (versus the many many individuals who are unaware or don’t care).