A system includes an application on a mobile device operable to communicate with a local portal, the application is operable to receive a mobile key from the local portal and from that to retrieve a mobile credential for authorizing a user to access an access control. A method of local key distribution can include entering a pre-shared password to a local portal to encrypt a mobile credential; communicating the encrypted mobile credential to an application on the mobile device; and entering the pre-shared password to the application on the mobile device to decrypt the mobile credential.