What is a Token?

A token is a digital asset created on top of an existing blockchain using smart contracts. Unlike coins (Bitcoin, Ethereum) that have their own blockchains, tokens exist on another chain’s infrastructure.

Token vs Coin

FeatureCoinToken
Own blockchainYesNo
ExamplesBTC, ETH, SOLUNI, LINK, USDC
CreationLaunch new chainSmart contract
Pays network feesYesUses host chain’s coin

Common Token Standards

ERC-20 (Ethereum)

  • Most popular standard
  • Fungible tokens
  • Compatible with all ETH wallets
  • Examples: USDT, LINK, UNI

ERC-721 (Ethereum)

  • Non-fungible tokens (NFTs)
  • Each token is unique
  • Used for collectibles, art
  • Examples: CryptoPunks, BAYC

ERC-1155 (Ethereum)

  • Multi-token standard
  • Both fungible and non-fungible
  • More gas efficient
  • Used in gaming

BEP-20 (BNB Chain)

  • BNB Chain equivalent of ERC-20
  • Lower fees than Ethereum
  • Many crossover tokens

SPL (Solana)

  • Solana token standard
  • Very low fees
  • High speed

Types of Tokens

Utility Tokens

  • Access to services/products
  • Examples: BNB (exchange discount), LINK (oracle payments)
  • Value from utility, not ownership

Governance Tokens

  • Voting rights in protocols
  • Examples: UNI, AAVE, CRV
  • Control protocol decisions

Security Tokens

  • Represent ownership in assets
  • Subject to securities law
  • Examples: Tokenized stocks

Stablecoins

  • Pegged to fiat currency
  • Examples: USDT, USDC, DAI
  • Used for trading, savings

Wrapped Tokens

  • Represent assets from other chains
  • Examples: WBTC (Bitcoin on Ethereum)
  • Enable cross-chain functionality

Meme Tokens

  • Community/culture driven
  • Examples: SHIB, PEPE, DOGE
  • Highly speculative

Token Creation

How Tokens are Made

  1. Write smart contract
  2. Define token parameters
  3. Deploy to blockchain
  4. Pay gas fees
  5. Token is live

Parameters Set

  • Name and symbol
  • Total supply
  • Decimals
  • Transfer functions
  • Special features

Token Metrics to Analyze

Supply Metrics

  • Total Supply: Max tokens ever
  • Circulating Supply: Currently available
  • Market Cap: Price × circulating supply

Distribution

  • Team allocation (vesting schedule?)
  • Investor allocation (unlocks?)
  • Community allocation
  • Treasury holdings

Tokenomics

  • Inflation/deflation mechanism
  • Burn mechanisms
  • Staking rewards
  • Utility within ecosystem

Buying Tokens

Where to Buy

  • CEX: Binance, Coinbase
  • DEX: Uniswap, PancakeSwap
  • Launchpads: New token sales

Safety Checks

  1. Verify contract address
  2. Check token legitimacy
  3. Research project
  4. Start with small amount

Token Security

Risks

  • Scam tokens (rug pulls)
  • Smart contract bugs
  • Unlimited mint functions
  • Honeypots (can’t sell)

Protection

  • Verify on official sources
  • Check contract on explorer
  • Use trusted DEX aggregators
  • Research before buying

DeFi

  • UNI (Uniswap)
  • AAVE (Aave)
  • CRV (Curve)

Oracles

  • LINK (Chainlink)

Stablecoins

  • USDT (Tether)
  • USDC (Circle)
  • DAI (MakerDAO)

Layer 2

  • ARB (Arbitrum)
  • OP (Optimism)

Token vs Equity

Similarities

  • Can represent value
  • May have governance rights
  • Tradeable

Differences

  • Usually no legal ownership
  • No dividends (typically)
  • Different regulatory status
  • Global, permissionless trading

Future of Tokens

  • Real-world asset tokenization
  • Regulated security tokens
  • Better interoperability
  • More utility-focused design