The Survey123 for ArcGIS (android) app uses an incorrect token when connected to ArcGIS Online and when using a service from Portal for ArcGIS or ArcGIS Server, returning the error "Code: 498 Token Error - Invalid Token".
The workflow described is invalid. When using non federated services secure the service and save the credentials to the item. For more details, refer to:
https://support.esri.com/en/technical-article/000014793