With the influence of digital technology in our daily lives continuously growing, we investigate methods with the purpose of assessing the stability, sustainability, and design of systems of token economies that include tokens and conventional currencies. Based on a chemical approach, we model markets with a minimum number of variables and compare the transaction rates, stability, and token design properties at different levels of tokenisation. The kinetic study reveals that in certain conditions, if the price of a product contains both conventional money and tokens, one can treat this combination as one composite currency. The dynamic behaviour of the analysed systems is proven to be dynamically stable for the chosen models. Moreover, by applying the supply and demand law to recalculate the prices of products, the necessity of previous knowledge of certain token attributes—token divisibility and token–money exchange rates—emerges. The chemical framework, along with the analytic methods that we propose, is flexible enough to be adjusted to a variety of conditions and offer valuable information about economic systems.

This contribution develops the framework of a novel, socio-ecological finance system that enables the incentivization of environmentally friendly behavior, socially responsible production, resource recycling, sharing and more. We call this system Finance 4.0—where Finance 1.0 refers to a physical coin-based system, Finance 2.0 to a fiat currency system, Finance 3.0 to blockchain finance, while Finance 4.0 stands for a multi-dimensional, real-time feedback system that combines blockchain technology with the Internet of Things. Instead of “Finance 4.0,” we will also often use the abbreviation “FIN4.”In comparison with citizen scores such as the Chinese social credit score, the FIN4 approach is different in a variety of aspects: FIN4 is not aimed at punishment and control, but rather at helping to encourage, empower and coordinate sustainable and other favorable action. It is being built for local, temporary measurements and feedback, not for global surveillance and control. It seeks to protect the privacy of people rather than to keep information about everyone and every action forever. It is not focused on the individual in the sense of profiling and targeting, but on favorable interactions and our social and environmental goals. It offers a multi-dimensional choice of options instead of trying to determine every individual’s action through behavioral manipulation and control. It has a participatory opt-in nature, where people can co-create the incentive system in such a way that they can reach their goals more successfully. With multi-dimensional incentivization, it becomes possible to advance several goals simultaneously; thereby, many more people can benefit from the interactions they engage in, as multi-dimensional value exchange increases the solution space enormously.