No "Require device unlock for NFC" option
The option "Require device unlock for NFC" is missing in the NFC menu. That is a serious security hole since NFC can be enabled via the quick settings even on locked screen. That allows everyone who holds the phone to make undesired transactions (for ex. with Google Wallet).
According to the official Android sources this option should be present since Android 10 but is missing on ZenFone 8 with the latest firmware image (Android 12).