Morfin is a "mutual-style" platform that seeks to bridge the gap between the worlds of traditional finance and banking and digital finance and banking with blockchain technology to simplify and streamline the delivery of financial products and services to our members. Token management systems - gamified. The solution combines advanced gamification mechanisms with token management programs. Corporate clients can use the Morfin platform to improve organizational performance through wider employee engagement. Also, they can use the Morfin platform to deploy customer loyalty programs with point-based reward systems and interactive mobile experiences. A rich library of game elements and scenarios is provided for quick deployment of engagement, loyalty or any other type of token issuing program. For the most demanding customers, a gamification editor allows them to build their own game scenarios.