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If you hide root, you're fine.
That suggests you can get credentials out of the phone, at least for non-google phones. I doubt that the Moto G that I just got has a security chip like the one in the Pixels and Iphones. It's possible though. I do want to start messing with the phone's NFC reader, though more as a general security thing than for payments in particular. Maybe I'll get to understand it better.