The Apple Wallet has evolved far beyond just storing credit cards. A hands-on video from 9to5Mac explores five features that have convinced the author to ditch their physical wallet entirely—from peer-to-peer payments to digital car and home keys. Apple Cash functions as a free digital debit card in the Wallet app, enabling peer-to-peer payments directly through iMessage without relying on Venmo or Cash App.

The new Tap to Pay feature allows users to transfer money between iPhones by simply tapping devices together—no payment terminals or additional hardware required. Express Transit Cards streamline subway and bus commutes by automatically using a designated card at turnstiles, eliminating the need to authenticate with Face ID. Physical credit card numbers can now be stored securely behind Face ID for manual transactions when Apple Pay isn't accepted.

Digital car and home keys have become essential for the author, who now leaves the house with just their iPhone. The Wallet has transformed from a simple card storage app into a comprehensive digital replacement for physical wallets, keys, and even some banking apps—quietly becoming one of the most useful parts of Apple's ecosystem.