Abstract: Embodiments of the invention are directed to systems, methods, and computer program products for authorization and use of cross-linked resource instruments. As such, the system results in increased flexibility of resource transfers by enabling a user to establish a virtual link between an account and a resource instrument not originally associated with said account. The user may then complete a transaction using a preferred account, despite the preferred resource instrument being lost, damaged, or otherwise ineffective. Furthermore, the system may activate crosslink requests in real-time, allowing a user to rapidly complete a transaction from any location.