When Cyberflex was introduced there was no standard format for applets and
no standard way to load them, so Schlumberger used a proprietary method.

I think the latest Cyberflex card is Javacard 2.1 compliant and uses Open
Platform 2.0 (formerly Visa Open Platform) to load applets.  This is what
all modern javacards use.

If you don't want to use the Schlumberger SDK to load your applets on older
Cyberflex cards, you can use the CITI SDK.  The tool that turns the class
files into an applet is not open source but everything else is.
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