Firstly I am noob and thanks for your answer. What does it mean "allows fallback iie fallback to the magstripe " and secondly1. You can use it to swipe on stores for pos that allows fallback iie fallback to the magstripe
If it's MasterCard you can add it to NFC apps like DDA enforcer and tap and pay on MSD enabled POS
2. Impossible to clone the chip, since you can't generate the arqc. Only fallback or NFC tap and pay is possible