INFC is an  off-chain, meaning it will encourage people to transfer freely without having to pay for gas or wait for the token to arrive when the network is congested and the transfer will be almost instantenously. The mobile App with Infinity's credit is NOT ERC token, according to the team the infinity's credit will be convertible to Infinitus Tokens( ERC token) after integration, which we are waiting for it to be implemented. At conversion, Infinitus credit is 1:1 ratio with Infinitus token (ERC).