Abstract: Systems and methods for time-based resource allocation are disclosed herein. A system receives requests for intermediate allocation of a set of resources during a first period of time. Each request may include a target entity to receive a portion of the intermediate allocation and a user-linked resource token. The system determines a first subset of the set of resources for which a final allocation of resources from the user is requested when the first period is elapsed. During the first period, the system transfers the set of resources to target entities. During a second period, the system receives a message from a target entity indicating a return of at least a portion of the intermediate allocation. The system updates the set of resources and calculates an updated first subset of resources. Responsive to determining that the second period is elapsed, the system may automatically transmit a resource allocation command configured to trigger final allocation.