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A payment card with an EMV chip rests beside a numeric keypad.

The token is the easy part.

A token can replace a sensitive value. The difficult work is defining what the replacement means, who may reverse it and how the system behaves over time.

A hand presents an STM transit card to a circular red contactless validator.

A card migration is a state machine.

Moving a live fare system from MIFARE Classic to MIFARE Plus is not a card replacement exercise. It is a controlled transition across credentials, readers, keys and operational states.

A hand holds a smartphone displaying a health QR code while another person stands out of focus.

When a QR code was not a format.

During the pandemic, visually similar QR codes carried incompatible data models, encodings and trust assumptions. A contribution from Uruguay to PathCheck’s Universal Verifier made that fragmentation tangible.