The Mi Band 5 NFC is now in sight. However, at present it is not compatible with Mi Pay (you will supposedly have to wait till the new year). A further distinction between the "four" and the "five" is a slight increase in autonomy (by roughly a quarter). And that's a big boon for a lot of people. In a nutshell, if you're sick of (ruinously) waving your smartphone around, start saving money and making purchases. Don't try to save money by purchasing a fake Chinese product. You'll need to make use of a third-party mod instead. Don't forget that you'll have to give him access to your finances. By the way, it is more secure to attach cards that aren't your primary method of payment to the bracelet; instead, you should issue virtual (or supplementary) cards and establish your restrictions on those. Such openings can be found at some of the listed banks.
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