Consumers create Communities of Commerce with complementary merchants, using their combined spending power to pursue their social goals. Gratifu comprises: Points – a localized loyalty point redeemable only at the issuer and may be converted to Gratifu Tokens. The Gratifu Token – a digital asset that may also be called a smart contract or crypto currency and is exchangeable for points, goods and service at all merchants in the Gratifu network. The Gratifu Platform – a utility for exchanging points, FIAT currencies and the Gratifu Token The Gratifu Wallet App — lets customers to accumulate spend points using their smartphones Gratifu POS and Gratifu Back Office – lets merchants easily design loyalty programs, account for point values, chose the best savings to convert points to Gratifu tokens in real-time, with secure KYC-compliant software. Sales Agent – Crowd-sourced from consumers and incentivized by commission for the merchants they onboard. Consumers benefit from points portability and convertibility. Merchants benefit from collaboration and network development. Sales agents earn commissions for onboarding merchants. Investor returns generated from Gratifu Platform user-fees and growth in value of the Gratifu Token.