A method includes receiving, by a mobile device, a designation of a token; linking, by the mobile device, the token to an account based on receiving an input from a user to couple to the account such that the mobile device is configured to receive updates regarding the token; based on the linking, receiving, by the mobile device, an update regarding the account and (i) deactivating the token to prevent fund transfers utilizing the token and (ii) providing an alert regarding the update; reactivating, by the mobile device, the token based on an input from the user; receiving, by the mobile device, a fund transfer request identifying the token for a fund transfer; and after the fund transfer, deleting, by the mobile device, the token based on detecting an expiration designation of the token by removing the token from the mobile device.