xDF2 "best utilized by programmers and engineers" - how?

Yes, the Apex can run full JavaCard applets (through the Fidesmo ecosystem).

Through work by @StarGate01, the Apex should be able to fully emulate an NFC-capable YubiKey.

EDIT: I’ll also note, the OTP applet is already “done” apparently, and a PGP applet is in progress.

This page talks about some of the applets:

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