the problem is apps thats requires safetynet again. this is PITA https://community.e.foundation/t/list-banking-apps-on-e-os/33091/482 https://community.e.foundation/t/sorry-revolut-is-not-supported-on-devices-with-custom-firmware/63282/111

That is why chinese phones are winning. thanks to gbox/aurora store

as long as your phone have GMS preinstalled and listed under Google certification. this will affect you. So, Chinese phone without GMS is fine.

The important matter is. Is your device listed by Google and preloaded with GMS. That is the main issue. as long as your device is not listed. you are good. That is why most Chinese phones are winning here https://storage.googleapis.com/play_public/supported_devices.html

if I were you I need to switch to Chinese phone that does not have GMS support like Huawei. (you can get the Whatsapp or banking apps later on via Gbox or Aurora Store)

if this policy is implemented. the easiest thing for noobs will be get a Chinese phone without certification from Google https://storage.googleapis.com/play_public/supported_devices.html like huawei (you can get a GMS support with emulator like Gbox)