There are a couple of differences between the svc card and the emulation.
For full details have a look at...
http://81.98.24.96/xbeaver/gemini_gm832.html
For example display/memory pages are not implemented and neither is
graphics mode (Although block graphics in the text modes are supported).
Originally only text was supported and I have not re-visited the svc
emulation - although it is a lot of work and few applications use it but I
should do it one day.
Also downloading programs to the svc card is not supported. For this to
be supported I would have to emulate the svc hardware which would have
a large hit on performance. Actually some programs are emulated in C on
the svc card but this is done on a case by case basis to allow programs
such as gemzap to run.
Perhaps one day I will bite the bullet. xbeaver supports arbitary graphics and
colour but is a slower. the North Star advantage has a graphics screen.
The other catch is some of the keyboard mapping is not implemented.
PS - what should the format program look like? (That is in text mode so could be a bug?).