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Nokia 8.1 comes with the Android Pie out of the box. You will also get Android updates for the next 2 years.
Nokia 8.1 has a double channel LPDDR4X type of 4GB RAM.
Yes, Nokia 8.1 does have NFC support.
Yes, Nokia 8.1 does have OTG support.
No. Nokia 8.1 is not a water-resistant phone.