Abstract : This article presents the WOLF (Wallet Open Library Framework) platform which supports an original interface for NFC developers called " SE-QL ". SE-QL is a SQL-like interface which eases and optimizes NFC secure application development in making the heterogeneity of the Secure Element (SE) transparent. SE implementation could be " embedded " (eSE) in the mobile device, or inside the SIM Card (UICC), or " on-host " software-based, or in the Cloud (e.g. through HCE); every SE implementation has its own interface(s) making NFC secure-application development extremely cumbersome and complex. Proposed SE-QL solves this problem. This article demonstrates the feasibility and attractiveness of our approach based upon an original high-level API.