Icard is actuality the only alternative that can register as a contactless nfc payment that not relying on google/Apple wallet and its perfectly safe. It’s an actual bank in Bulgaria and is eu regulated and PCI certified
Not Foss. Kinda of a privacy nightmare as you need to verify your identity and location with actual documents but as already said its not google and is a solid option if you are degoogled.
https://github.com/deku-messaging/Deku-SMS-Android
Supports emoji & images Supports e2ee if the other party also have deny SMS installed Supports message forwording