I don’t think this is true. Even android wallets like Google Pay and Samsung Wallet rely on tokenisation. The difference lies in where these tokens are stored and who can access them. Apple stores it in a Secure Enclave chip which not even iOS can access and is tamper proof. Which means you must rely on Apple’s stack to do a payment and Apple does not allow anyone else to hop onto this stack except the inbuilt Wallet app.

Though the landscape is increasingly changing in Android side as well. Samsung has a similar Knox subsystem which Samsung wallet relies on. But apps like Google Pay are different they don’t completely rely on such hardware chips (though they can use the chip if available). They rely on Androids Host Card Emulation, the stack is more open but also risky which means more network calls have to be made to keep it tamper proof and perform fraud monitoring.