It’s not unlocked. It’s tap to scan just like a credit card. Though there’s no law here that you need to carry a license anyway. There isn’t most places as far as I know, but I do carry a physical id when going out of state.

On my phone like a civilized person.

It’s usually multiple foldovers of semi rigid plastic similar to most water bottles around here. They seem to function well. It’s probably six or more 1 litre bottles worth of plastic though.