CVE-2025-46288 is a permissions-based vulnerability identified in Apple’s ecosystem, specifically impacting iOS, iPadOS, visionOS, watchOS, and macOS Tahoe prior to version 26.2. The flaw stems from insufficient permission restrictions that allow an application to access sensitive payment tokens stored or processed on the device. Payment tokens are critical components used in mobile payment systems such as Apple Pay, representing encrypted credentials that facilitate secure transactions without exposing actual card data. A malicious app exploiting this vulnerability could retrieve these tokens, potentially enabling fraudulent transactions or unauthorized financial access. The vulnerability was addressed by Apple through additional permission restrictions in OS version 26.2, which tighten access controls around payment token data. Although no active exploits have been reported, the risk remains significant given the sensitive nature of payment tokens and the widespread use of Apple devices in consumer and enterprise environments. The vulnerability does not specify affected OS versions but implies all versions before 26.2 are vulnerable. Exploitation requires the installation of a malicious app, which may bypass App Store review or be side-loaded in enterprise or jailbroken environments. The lack of a CVSS score necessitates an assessment based on impact and exploitability factors. The vulnerability impacts confidentiality primarily, with potential integrity and availability implications if payment systems are compromised. The scope includes all Apple devices running affected OS versions that handle payment tokens. The fix involves OS updates that enforce stricter permission models, reducing unauthorized access risks.

For European organizations, this vulnerability poses a significant risk to the confidentiality of payment data processed on Apple devices. Organizations relying on Apple Pay or similar mobile payment solutions could face financial fraud, unauthorized transactions, and reputational damage if payment tokens are compromised. Retailers, financial institutions, and enterprises with mobile workforce using Apple devices are particularly vulnerable. The breach of payment tokens could also lead to regulatory compliance issues under GDPR and PSD2, especially if personal financial data is exposed. Additionally, the vulnerability could undermine customer trust in mobile payment systems, impacting business operations and revenue. The risk is amplified in sectors with high transaction volumes or sensitive financial operations. Given the widespread adoption of Apple devices in Europe, the potential impact is broad, affecting both consumers and enterprises. The absence of known exploits suggests the threat is currently theoretical but warrants proactive mitigation to prevent future attacks.

European organizations should prioritize updating all Apple devices to OS version 26.2 or later to ensure the vulnerability is patched. Implement strict mobile device management (MDM) policies to control app installations, restricting side-loading and unauthorized app deployment. Enhance app vetting processes to detect potentially malicious apps attempting to access payment tokens. Monitor device logs and payment transaction anomalies for signs of exploitation. Educate users about the risks of installing untrusted apps and encourage use of official app stores only. Employ endpoint security solutions capable of detecting suspicious app behavior related to payment data access. For enterprises, consider isolating payment processing apps within secure containers or using dedicated devices for sensitive transactions. Regularly audit permissions granted to apps, especially those handling payment information. Collaborate with Apple support and security advisories to stay informed about updates and emerging threats related to this vulnerability.