How to create a Cleaning Material/Erase Decal System?

I’m working on a feature for a game similar to the cleaning mechanic in Gas Station Simulator. Specifically, I’m aiming to create a system where the player can use a pressure washer to dynamically clean decals off surfaces.

I know how to draw using render targets, but I’m not looking to draw. I have crawled the almighty web for hours trying to find how to erase things and I cannot find anything. I know this is possible, because Gas Station Simulator was built in Unreal lol.

Here’s an example of what I’m trying to achieve: