Apple is opening up NFC and SE APIs to developers on iOS18.1 in certain territories.
The documentation mentions that NFC & SE Platform partners can submit an applet for installing into the Secure Element.
When a request is made by an iOS app to provision a card, the signed applet corresponding to the card scheme will be downloaded into the iPhone and personalised by the platform partner servers.
Would it be possible to access the applet through SE APIs? If yes, would the access be open to any iOS app that has the granted HCE entitlement to the card scheme (e.g AIDs). Or is access limited to only the iOS app that create/published the applet?
From the document (excerpt below), it looks like any iOS app with the HCE entitlement to the card scheme would be able to use the applet. However it also mentions lifecycle management where an iOS app can delete the applet (or credential).
Would be interested in getting insight into this.