A system comprising: a sensor configured to detect transaction initiation data between a user device and a merchant device at a merchant location; a non-transitory memory storing instructions; and one or more hardware processors coupled to the non-transitory memory and configured to read the instructions from the non-transitory memory to cause the system to perform operations comprising: detecting the transaction initiation data through the sensor; determining (404, 406) that the transaction initiation data exceeds a threshold for a likelihood for a transaction processing between the user device and the merchant device; determining, without a request for the token from a user of the user device, a token that can be used in electronic transaction processing between the user device and the merchant device, the token corresponding to a randomized data representation of funding source data of the user; and loading the token to at least one of the user device or the merchant device through a background operation without a request for the token from the user of the user device, and processing a transaction between the user device and the merchant device using the token, the token allowing for payment using the funding source data as a payment instrument. a sensor configured to detect transaction initiation data between a user device and a merchant device at a merchant location; a non-transitory memory storing instructions; and one or more hardware processors coupled to the non-transitory memory and configured to read the instructions from the non-transitory memory to cause the system to perform operations comprising: detecting the transaction initiation data through the sensor; determining (404, 406) that the transaction initiation data exceeds a threshold for a likelihood for a transaction processing between the user device and the merchant device; determining, without a request for the token from a user of the user device, a token that can be used in electronic transaction processing between the user device and the merchant device, the token corresponding to a randomized data representation of funding source data of the user; and loading the token to at least one of the user device or the merchant device through a background operation without a request for the token from the user of the user device, and processing a transaction between the user device and the merchant device using the token, the token allowing for payment using the funding source data as a payment instrument. detecting the transaction initiation data through the sensor; determining (404, 406) that the transaction initiation data exceeds a threshold for a likelihood for a transaction processing between the user device and the merchant device; determining, without a request for the token from a user of the user device, a token that can be used in electronic transaction processing between the user device and the merchant device, the token corresponding to a randomized data representation of funding source data of the user; and loading the token to at least one of the user device or the merchant device through a background operation without a request for the token from the user of the user device, and processing a transaction between the user device and the merchant device using the token, the token allowing for payment using the funding source data as a payment instrument.