Yes — the iPhone 16 Pro has the same NFC hardware as every recent iPhone, and since Apple opened its NFC chip to third-party developers in 2024, crypto wallet apps and stablecoin payment services have started building on it directly, not just through Apple Pay. The catch is that actual crypto-focused NFC payments remain an early, unevenly rolled-out feature rather than something every iPhone 16 Pro owner can use today. This guide breaks down what’s actually possible, what’s still limited, and the specific ways the iPhone 16 Pro’s NFC chip gets used in crypto today — including with hardware wallets, which is the most mature use case by far.