If I try to enable NFC payment it tells me disable root.
I'm on official graphene with locked bootloader

I tried bank app tinkoff with generic error like "can't enable, ask in help chat" and separate Yandex pay app which tells exactly about root. Before it was working like a charm (approximately 1 month ago)
https://i.imgur.com/tzWA7nq.png

This is an issue with the app itself, my banking app works fine. They might have changed the checks for device integrity/security or indeed something about graphene has changed for it to have triggered now. As far as I know, there is no root (the app likely just mentions that by mistake).

I don't think grapheneos promises or even attempts to pass these tests. It's your bank that thinks it needs McDonald's level security theater.

Unfortunately NFC payments are a hit and miss on GrapheneOS as some services like Google Wallet requiring full SafetyNet compliance. It would mean GrapheneOS would have to be whitelisted by Google... It might be the app has implemented this check or something similar. Its strange that it thinks the device is rooted as GrapheneOS does not ship with root access. This might be a generic error that it gives?

If you have made no attempt at rooting the device then the app is probably implemented new requirements/checks to use NFC payments.