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In ethereum blockchain, the ERC20 tokens are created using the agreement called smart contracts. The algorithm used for the creation is ERC20. The smart contracts are nothing but the execution code built on the ethereum functions and they are written using the language called solidity. Ethereum and ETH tokens are stored on the digital storage space called Meta Mask. This is what the people know about erc20 tokens. In my opinion, instead of learning and creating erc20 tokens, you can contact the erc20 token development company @ cryptoexchangescript.com/erc20-token-development . Hope this helps