Recent macOS versions do have a general purpose built-in API for user mode filesystems. That API is incompatible with FUSE. The big problem is it is undocumented and you need an entitlement from Apple to use it, and Apple won’t give you that.
Apple do have a publicly available API for cloud file systems (Dropbox-style products), but it makes a lot of assumptions which makes it effectively unusable for other use cases.
Then there are third party solutions like osxfuse. These have the problem that they rely on kernel extensions and Apple keeps on making those harder and harder, and is aiming to get rid of them; plus, they are all now proprietary licensed, albeit often with a free license for open source use.
One approach that does work without any kernel extensions or private APIs is to make your user filesystem an NFS server and then mount that. One competitor to osxfuse does that, but it also is proprietary