The other major value of digital wallets comes from their security features. In contrast, someone who steals your phone can't use your digital payment methods since they're protected by your device PIN or face/fingerprint scan. However, digital wallets add another layer of security by storing a unique number for each card that's not tied to the real one. If you lose your phone, you can mark it as such using the online portal to disable card access. Finally, keeping your payment details in one wallet reduces your attack surface compared to typing them into every website you shop at.