Kinda. NFC is a broad spectrum of protocols. For example the old blue Orca cards are MiFare DESFire cards which actually store the card’s value in the card’s in

Kinda. NFC is a broad spectrum of protocols. For example the old blue Orca cards are MiFare DESFire cards which actually store the card’s value in the card’s internal chip- this type (while having some flaws) cannot easily be copied onto a phone. A simple NFC tag with binary data is trivial to copy though.