If your bootloader is unlocked, the only way you're going to be able to pass Play Integrity and use payment apps is with Magisk.
No it's not!
I tried explaining this to you in the Magisk discussion thread. Without root, Magisk cannot load modules, nor can the fact the bootloader is unlocked be hidden.
But it can be hidden!
If you're not going to use root, you should stay on the OEM firmware and keep your bootloader locked.
Why?
You can't have it both ways.
But you
can!
I've explained it to you in Universal SafetyNet Fix discussion thread...
But for clarity and for others, root and USNF are only needed for fixing device integrity attestations when a ROM doesn't implement native fixes, or, as in this member's case and many many more recently, where the ROM's integrated integrity attestation solution requires updating by maintainers because of changed Google server end checks etc...
Your statement may apply to stock public, developer, and beta ROMs as well as clean custom ROM builds like official LineageOS, but it's definitely
false as users of custom unofficial LineageOS and even many official builds of the likes of Evolution X, CrDroid, Proton, RiceDroid, Bliss, Paranoid, Resurrection Remix, etc, etc, etc
do enjoy passing SafetyNet and PI deviceintegrity with neither root nor USNF module etc!
Many (most?) of these ROM maintainers pull commits directly from @kdrag0ns current Proton builds (per his recommendation; and he supplies two technically different variations of SNF for Devs to choose from) which generally pass integrity attestations natively (ie. w/ NO root!), and augment these with
@Displax's up-to-date fixes... Others likely build with their own variations on SNF...
I personally prefer a 'clean' ROM (no integrated prop/signal manipulation or spoofing) + Magisk + USNF variants to pass device integrity verdicts, but many want a custom ROM without root... It's a personal choice to adopt either approach... And a custom ROM Dev's choice...

...

PW
... Gotta love that signature!
- First time I've seen it... Usually access XDA from phone...
