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[Q] HCE?

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Default [Q] HCE?

I've read that KitKat brings Host Card Emulation. Do I understand it rignt that I can record any wireless card into my phone and later use my phone exactly as I would use that card? (credit card, tesco benefit card, door card etc.?)

I know I can connect google wallet with US credit card and pay with it, but this is for US only (I'm from Europe) and payments go through wallet account etc.
I would like to use it just as card emulator. Can someone please tell me, how to achieve this?
Is google wallet app necessary (because I struggle a little with country check).

I've tried to search but I couldn't find any usable informations, only discussions that HCE is enabled only for Broadcom NFC chips (which N4 has, so I presume it sould work on N4)

Thanks for any usable info
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I think it doesnt work without Google Wallet but I could be wrong.
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We have a NFC hack section on xda..

Sent from my Nexus 4, while driving in my Evo9.
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