What does HackerNews think of format-udf?
Bash script to format a block device (hard drive or Flash drive) in UDF. The output is a drive that can be used for reading/writing across multiple operating system families: Windows, macOS, and Linux. This script should be capable of running in macOS or in Linux.
3rd parties can write drivers for Windows, you know. A small, read-only FAT partition on a USB stick or SD card could contain the installable drivers necessary to read/write the rest of the disk.
However, that's unnecessary. The best option for a universal file system is UDF. Windows, Mac, and Linux all have full read/write support.
UDF is natively supported on all major OS.
I haven't used it in macOS but on paper macOS seems to be having even better support for it than Linux so you can give it a shot.
Lastly, you can use https://github.com/JElchison/format-udf for creating most compatible filesystem across different devices.
[0] https://en.wikipedia.org/wiki/Universal_Disk_Format [1] https://github.com/JElchison/format-udf