I wonder if the devs have restricted its use on devices with an unlocked bootloader, or a non-factory ROM?

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I'm not sure if it's on the cashapp side or Graphene. Fold and strike work just fine. Cashapp and NFC is the only thing I have found that won't work

I bet it's reading the bootloader status flag, or the factory/non-factory ROM flag and preventing operation is one or both of them are tripped. I sorta understand their desire to prevent their system from being accessed by a non-standard device. I know they're not the only one who takes similar precautions. Some other banking and financial apps also restrict use to official, standard devices.

Theyโ€™re a regulated finance company so this of probably something their compliance department requires. They also disabled Lightning features for NY users based KYC location.

I've used cashapp on a graphene phone.

Do you have play services and the store running?