Disclosed is an apparatus, system, and method to decrypt an encrypted account credential at a second device that is received from a first device. The second device may receive a first share of a master key and the encrypted account credential from the first device. The second device may reconstruct the master key with the first share of the master key and a second share of the master key stored at the second device. The second device may decrypt the encrypted account credential with the reconstructed master key. Based upon the decrypted account credential, the second device may be enabled to access an account based upon the decrypted account credential.