reftoken is a multiplatform that will connect thousands of people who are trained for the development of applications within the world of the chain of blocks and the de-centralization thus reducing the problems related to the intermediation and the costs that these could bring, knowing that there are forms in which it has been successfully implemented and accepted but in the world of cryptocurrencies that is a little more reluctant, for that reason born reftoken to intermediate and provide the efficiency of what the chain of blocks means. Only smart contracts are established for the processing of applications, that is, it is only an intermediary.