Youll have a hard time finding a pre-made script that does all this, especially a free one. This sounds like a complex project that will likely require custom development. If you are not a developer yourself and have no experience with programming and customizing web scripts, you will definitely need to hire a professional. Try posting your requests on some of the platforms where you can find freelance developers to help with your project, like Upwork or Freelancer.
I do like this advice, you are correct it's a complex project.
Thinking about bringing the beta version back in WordPress because it can operate somehow somewhat,
but then putting money aside for thr funding of a wholly custom platform
It can operate amongst friends in a group or community where every detail does not have be programmed with necessary features,
However not exactly among a horde of strangers with zero trust between each other where businesses like coinbase can treat every individual as absolute trash because the employees aren't accessible to customers.
