I've heard that an NFC alternative to ApplePay & Google{Pay|Wallet} is Curve Pay, but sadly it requires KYC (while the former ones don't). Do you know if Walt will require KYC too? It's not clear from their website.
the problem I had with Curve is that this privacy policy is a bit trash, and their DPO was unresponsive when I tried to exercise some of my GDPR rights