Yeah, on Android there used to be some parties that supported the open NFC stack, ie bunq comes to mind. At the moment there is still Curve (have it installed but need to configure it, I still forget my passes from time to time).

But this sounds much better and more "fundamental", as in, will support any bank.

I'd commit immediately to the 3 euro/month to get rid of my passes in the magnetic pouch on the back of my GrapheneOS Pixel 10 :)