Abstract: A method and apparatus for integrating and instantiating custom applications in a multi-application smart card system are described. In one embodiment, the method includes receiving an indication that a mobile device is present, where the mobile device includes a first set of one or more mobile device applications, and where each mobile device application is associated with one or more of a second set of framework applications. The method also includes selecting a mobile device application from the first set. The method also includes selecting a framework application from the second set, wherein the mobile device application is associated with the framework application. The method further includes activating the framework application, wherein activating includes successfully authenticating device; and after activating the framework application, receiving transaction data from the mobile device application.