I discovered that this isn't an issue with the EU ROM. After checking the TW ROM device, I found that it also doesn't have the HCE option, so it's fine. Thank you.
There is no HCE wallet option in my NFC payment default.
The APP I use needs to use HCE.
I am using Xiaomi 14, version 1.0.32.0. Can anyone help me? Thank you.