https://www.hansenpartnership.com/draft-bottomley-tpm2-keys.html describes a (de facto, for now) standard for PEM files containing TPMv2-wrapped keys.
It is supported by both the IBM and TCG OpenSSL ENGINEs/providers, as well as GnuTLS and OpenConnect.
Users have a PEM file which contains the TPM-wrapped key, and should be able to pass that to any application in place of a simple file-based key... and expect it to Just Work.