Digital Wallet transaction question

While watching Messer’s recent vids on Security+ content he mentions in the cryptology section that in digital wallet transactions (forgive me if I’m not fully understanding it) there’s 3 nodes at play, the token is a randomized SHA-256 number which is used as authentication for the card number stored on the blockchain server which is then decrypted by the vendor. That check clears the vender and the packet is then sent back through the chain to the paying device confirming the transaction and securing the chain.

So what stops you or an employee from hijacking that number with a packet sniffer (wireshark/netcat)? I’m sure I’m not as updated as a professional in the field, but couldn’t you redirect that token back to yourself and decrypt it for the full card number? I tried to set this up in packet tracer just to get a mental image and the packet could \*in theory\* just be stolen from wherever the server networks outbound traffic (maybe there are gaurd rails in place here?). Ofc it’s no easy task to get into a google/apple owned center, but in theory an insider threat could access the traffic right? It would be significantly harder to just steal the info out right w/o the transaction and even if you somehow did it would look more suspicious (you’d be caught very easily).

I can’t help but think digital tokens make a loophole for this given you have a shell interface and a bit of network knowledge. Is there something I’m missing here or is this actually a real exploit? Bc that makes me feel so uncomfortable, not that my card info is useful but that companies are using this potentially for PII. The only way I could think digital wallet transfers being more secure is that they’re likely done on LTE/5G, but MacOS and Windows have options for a digital wallet on desktop. If it were sent via LAN wireless connection, could you just take that number from a card reader or even prevent a digital wallet transaction from even occurring by probing the initial packet on the network or does it happen too quickly?

Anyway I hope I’m just misunderstanding how the blockchain works, but do correct me bc it’s unsettling to think about.