Digital pass with a selectable link

A system comprising:

• a processor;
• and
• a tangible, non-transitory memory configured to communicate with the processor, the tangible, non-transitory memory having instructions stored thereon that, in response to execution by the processor, cause the processor to perform operations comprising:
• obtaining, by the processor, in a user portal, a request from an existing transaction account user for a digital pass;
• transmitting, by the processor, the digital pass through the user portal to a digital wallet of a first device of a transaction account user,
• wherein the digital pass includes an identification of the transaction account user in the digital pass,
• wherein the digital pass is a sharable electronic pass with selectable link,
• wherein the first device establishes a wireless communication link to a second device associated with an applicant using a wireless communication protocol, the wireless communication protocol comprising a peer-to-peer wireless local area networking connection for transferring files, wherein the first device and the second device are directly connected without using an internet connection or a wireless access point, and
• wherein the first device wirelessly transfers the digital pass to the second device via the wireless communication link using the wireless communication protocol;
• transmitting to the applicant, by the processor, a request to provide preliminary information for completing a transaction account application, in response to a selection of the selectable link of the digital pass,
• identifying, by the processor, the transaction account user and the applicant associated with the second device in the transaction account application;
• determining, by the processor, that the transaction account application at least partially satisfies an issuing threshold of a transaction account;
• and
• issuing, by the processor, the transaction account to the applicant.