Practical fix for local dev (Android emulator) Use the same URL host as on iOS (e.g. http://localhost:3000/...) on the emulator as well, and make localhost on the emulator reach your Mac’s port 3000 with port reverse:
adb reverse tcp:3000 tcp:3000 Then set:
EXPO_PUBLIC_KYC_WEBVIEW_URL_FREE_ACTIVATION="http://localhost:3000/beacon-money-account/info/free-activation?beacon_flow=BMA"
(aligned with iOS). After reverse, localhost:3000 inside the emulator is forwarded to your host’s 3000, so you get connectivity and the same host as iOS for cookies/session.