The SIM is redundant for a lot of phones. VZW just wanted to throw up roadblocks to prevent Wallet. There was absolutely no reason not to use the secure element in the phone. You lose the phone in either case your encrypted data is out of your hands. We know it works. All you need to do is modify what carrier and model the phone is during the installation. I use it now only unapproved device. I won't be using ISIS.
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