Sharing revenue from in-app purchases back to other users

Basically, I am working on an app that will facilitate the functionality to allow User A to purchase among different digital commodities like gifts, tributes, and donations, which would be given to some other User B to redeem in exchange for money.

Do I have to do this necessarily using IAP, even though only a small percent (1-3%) of the transaction amount would be charged by my app? Because in that case, I would be losing 30% of what User A purchased for, and would be lacking sufficient fund to be given to User B when redeemed.

Can I use stripe in this case and bypass IAP?

I consider that if you can use stripe without IAP since the way is faster

Sharing revenue from in-app purchases back to other users
 
 
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