Are user-to-user token transactions, with the ability to cash-out, allowed?

I’m trying to build a simple app that will allow users to create items in-app and buy/sell access to them.

Users can buy tokens from the App Store that can be used to fund these purchases (e.g. 1 token = 100 coins), and can also be used support the development of these items (e.g. give creator 1 coin a week). The creators can then cash out the coins once a certain amount is reached, via Stripe or some other external payment provider.

Is this allowed under the current rules of the app store? Is it possible to implement using CloudKit?

If this isn’t allowed, is it possible to allow users to share content on the app’s “store” for other users to browse and download, and can that be done just using CloudKit?

This is my first-ever app and I don’t know left from right when it comes to back-ends. I will greatly appreciate any pointers.

Are user-to-user token transactions, with the ability to cash-out, allowed?
 
 
Q