I couldn’t find anything in that document or the blog that answers the most basic question - is it going to be an app? It literally contradicts itself at one p

I couldn’t find anything in that document or the blog that answers the most basic question - is it going to be an app? It literally contradicts itself at one point: “It will also be stored directly on your own device - just like contactless payment cards or the NHS App today.” An app has totally different capabilities from a card in a wallet.