Hi,
did I say anywhere that FIDO2 is supported?
I was comparing the T4T emulation with what a FIDO2 will need to do. There is no FIDO2 implementation available for the ST25R3916. This is something which you would need to implement - similar to the T4T implementation. T4T: NFC Forum Type 4 Tag which is used to have e.g. a phone read an NDEF message containing e.g. an URI, contact from it.
Your payment application opening means you are using an Iphone which gets excited by the polling loop in your example. You will need to disable all these polling parts from the example.
If you use X-CUBE-NFC6 you will find there a sample implementation of a T4T. This should be able to get read by an IPhone - again after disabling the polling stuff.
ST25R3916 can act as NFC Poller (emit an NFC field @13.56MHz) and act as Listener (load modulate an external field, e.g. from a phone). For the FIDO2 use case you will only need the Listener/Card emulation. Phones will detect other Pollers and may try to start different use-cases (Payment, P2P, etc.).
For FIDO2 you will need to implement proper responses to all the APDUs from the mobile - similar to what our T4T example is doing.
Best Regards, Ulysses