## Use cases

You may want to decrypt wallet token payloads for several reasons:

- **Transaction processing**: Extract the payment account number (PAN/DPAN) and cryptogram required to authorise transactions through payment processors.
- **Fraud detection and risk assessment**: Access device identifiers, authentication data, and assurance details to perform custom fraud screening and risk analysis.
- **Compliance and audit requirements**: Retrieve transaction amounts, currency codes, and authentication responses for regulatory reporting and record-keeping.
- **Custom payment workflows**: Implement specialised payment logic, such as split payments, conditional routing, or multi-step authorisation processes.
- **Token vault integration**: Store decrypted payment credentials in a secure token vault for recurring payments or subscription management.
- **3D Secure processing**: Access cryptograms and ECI indicators for transactions requiring additional authentication steps.