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Unlock and install LineageOS or one of other alternatives.

Good resource: https://github.com/phhusson/treble_experimentations/wiki

Can you use banking apps on LineageOS? Will it pass SafetyNet?

Unlikely.

LineageOS is in the same boat as GrapheneOS in this regard.

"GrapheneOS passes the basicIntegrity check but isn't certified by Google so it fails the ctsProfileMatch check. Most apps currently only enforce weak software-based attestation which can be bypassed by spoofing what it checks."

https://grapheneos.org/usage#banking-apps

There is a guide[1] that is used for Waydroid to get the emulator certified, but it would be complicated for physical devices, as it requires a root terminal into it.

[1]: https://docs.waydro.id/faq/google-play-certification

Though there are probably ways to work around that. I've used a Magisk module to trick SafetyNet and successfully used banking apps and such a few years ago.

The browser versions work.

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