Providing on-line non-downloadable software for managing and providing loyalty programs, rewards, events, and networking offers of different brands to users outside the brand platforms; Providing temporary use of on-line non-downloadable cloud computing software for dynamically executing smart contracts to selectively promote goods and services of different merchants to customers anywhere at any time; Providing temporary use of on-line non-downloadable cloud computing software for orchestrating commerce, brand loyalty, and engagement between merchants and customers through a token-based network; Platform as a service (PAAS) featuring computer software platforms for enabling brands to sell goods and services to customers that do not access platforms of the brands; Software as a service (SAAS) services featuring software for generating user profiles that track user preferences, purchases, and digital assets using tokens on the blockchain; Software as a service (SAAS) services featuring software for connecting merchants to customers