digital tokens & money (dtm), refers to the entire space of blockchain, cryptocurrency, digital ledger technology (dlt) as well as specific coins such as bitcoin, ethereum, eos, iota, tron and others. dtm is simple terminology for everyone rather than the typical technical terms used today. dtm is similar to an atm cash machine allowing people to associate with familiar systems they use today. with a dtm wallet, it basically acts like an atm allowing the use of the money from one source to another source. 
decentralized tokens & money (dtm) is also an acceptable definition.