➀ Apple announces that starting from iOS 18.1, developers can use the Secure Element in iPhones to enable NFC functionalities in their apps without using Apple Pay or Apple Wallet. ➁ This move allows for various NFC applications including contactless payments, access control, and more. ➂ Developers need to sign a business agreement with Apple and pay a yet-undisclosed fee. ➃ Apple emphasizes the use of advanced security technologies to protect user privacy and safety. ➄ Apple's decision follows regulatory pressure from the EU, which has led to broader concessions including opening up third-party app downloads and payment systems.