Many people use to attach the card in the smartphone's back to mimic the built-in NFC, that's a good solution but sometimes you wanna check your credits and make some operations.
Good for certain scenarios but not for the everyday use, I would love to see that adaptability improved for the "chilling common situations" in the future.
SimpleX is my main atm, it can transfer files effectively.
Arch (EndeavourOS but it's the same with an installer, basically): AUR, great Wiki, great community and fresh packages.
I'm always open to new stuff but all of this is really hard to beat.
Many people use to attach the card in the smartphone's back to mimic the built-in NFC, that's a good solution but sometimes you wanna check your credits and make some operations.