| CPC G06Q 20/381 (2013.01) [G06Q 20/10 (2013.01); G06Q 20/367 (2013.01); G06Q 20/389 (2013.01); G06Q 30/0215 (2013.01); G06Q 2220/00 (2013.01)] | 20 Claims |

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1. A system comprising:
one or more hardware processors; and
a non-transitory memory storing instructions, that when executed by the one or more hardware processors, cause the one or more hardware processors to perform operations comprising:
accessing a digital wallet associated with a user, wherein the digital wallet comprises a set of first merchant tokens associated with a first merchant and a first reward system;
generating a set of substitution tokens for representing the set of first merchant tokens within an exchange framework different from the first reward system, wherein the exchange framework comprises an exchange framework blockchain, and wherein the set of substitution tokens are generated within the exchange framework blockchain;
wrapping the set of substitution tokens with metadata that links the set of substitution tokens associated with the exchange framework to the set of first merchant tokens associated with the first reward system;
transferring the set of substitution tokens to the digital wallet; and
processing a transaction between the user and a second merchant using the set of substitution tokens via a logical bridge between the exchange framework blockchain and a second merchant blockchain.
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