In verifyDefaults of CardEmulationManager.java, there is a possible way to set a third party app as the default contactless payment app without user consent due to a missing permission check. This could lead to local escalation of privilege with no additional execution privileges needed. User interaction is not needed for exploitation.
https://source.android.com/security/bulletin/2025-09-01
https://source.android.com/docs/security/bulletin/android-14