The tokens that are created based on Ethereum usually serve two purposes: either to obtain funds or to be used as a currency with that a user can pay for the service the platform offers, sometimes they serve both purposes at the same time. So if I understand your question right, this could be relevant for your purpose.
As far as I know the discussion, however, it is not simply enough to define a token as a user token in order not to have the risk of regulation or even violating regulations yet to come. The criteria rather seems to be if the token you are selling is already usable during the sale, or only after the sale is over. If you are interested in that, the issue is discussed in this post.