“I assume” is doing a lot of heavy lifting here.

as someone who runs GrapheneOS and looked into the possibility of doing contactless payments: no. it simply does not work. all the contactless payment apps can somehow detect you’re not running the stock OS for the phone and choose to lock themselves down.

cashapp and venmo will also freeze your accounts almost immediately upon installation and login and, in my case with cashapp, insinuate you may be reported to law enforcement for fraud when you appeal with info about your phone lmao