Implementations of the present disclosure provide systems and methods for automatically preloading data pertaining to credentials determined to be likely to be used during a particular time interval into a memory utilized by a credential emulator. The systems and methods described herein contemplate identifying a particular time interval by identifying events that may designate the beginning and end of that particular time interval, identifying contextual information relevant to the client device or a user account affiliated with the client device during the time interval, identifying a set of credentials available for loading into the memory utilized by the credential emulator, determining from the set of credentials, a subset composed of individual credentials that are likely to be used during the time interval, and loading data pertaining to individual credentials in the subset into the memory utilized by the emulator.