A utility token can be issued with immediate rights to services or as a loan type, whereby the service can be accessed upon completion of the infrastructure project. During the investment phase of a project, funds are held in a smart contract and reimbursed automatically to investors in the case of insufficient fund collection and resulting inability to start the project or otherwise inflicted failure of the project. Additional features like loans with automated interest payments or insurance contracts can be added over time, enabling the platform to grow in features and adapt to new requirements.