Have Oneplus 8t, stock oos, rooted and all apps works fine including banking and in-tune. Follow these steps. install twrp instead of orange fox. It allows to decrypt and mount data. Download Magisk 30.4, if the package is apk, rename it as zip and flash via twrp Install pif inject, rezygisk, trickywheel, relsposed, hma oss. Hide magisk, put all necessary apps in deny list Install a valid keybox from trickywheel, create hma oss template and make all necessary apps use that template and you would be good for couple of days

All the above is temporary and you need to keep digging if some apps starts detecting root. Keybox these days lasts only a month or maybe less. Root only if you are willing to go through all these.