You can decrypt the Games already.,
We would need Nintendo's key for that. Hacking their systems is about the only way to get that encryption key. Unless there is a true quantum computer. It would laugh at all current encryption. and it would already know the key as it was just waiting for you to ask it.
Also someone is working on a NCA Rebuilder (which also encrypts the NCA with Standard Crypto) which doesn't work perfectly yet.
But as soon as this works, everyone could rebuild Games with Standard Crypto and without tik/cert.
I rebuild Games this way for quite some time now, using a private method (SDK).
I'm using ReiNX and play these rebuild Games on it.
I also go Online every time for a few weeks now. Still not banned.
Ofc I don't use online features in rebuilt Games.