1. It would be more like, issuing your own virtual currency in a closed ecosystem.
Kinda like a cryptocurrency, except it would be a virtual currency.
Theres a few negatives there, especially security on a wordpress site, versus security of a blockchain.

2.I am wery interested in that 🙂
Could you tell me a bit more about the functions and how it works?

Tera wallet is a great base if you ever thinking about expanding.
Full modules for hedgefund, banking, investing -sites are a real shortage in the wordpress community.

Im not sure how many plugins ive sewn together now, but im considering just buying a hyip (they got the functions) script ..