A method for proximal distance and usage pattern access management includes identifying a first trigger event based on a financial device profile indicating a first proximal distance threshold is exceeded for a first device relative to a second device, where the first device is capable of executing financial transactions. The method further includes querying one or more network devices in the vicinity of the first device to validate the first trigger event. The method further includes responsive to receiving a first validation of the first trigger event from at least one network device from the one or more network devices, applying a first temporal lock on the first device preventing future executions of financial transactions. The method further includes responsive to validating a user associated with the second device, updating the financial device profile based on at least on the first trigger event and a location for the trigger event.