Focusing on crowdsourced same day delivery services for local community retailers. Anyone who wants to earn extra income can download the app and start a delivery service. Local Merchants will have the option to provide SWIRL as a loyalty for promotions or contests. Customers can use their SWIRL tokens to pay for the products or reduction of price during the checkout. New merchants can open a store seamlessly, manage inventory, discounts, promotions and store settings. Merchants can also manage the SWIRL loyalty program through the store management portal. SWIRL will also be used for payment of membership levels and special merchant access.