When real money is involved on the internet the worst kinds of stuff results, and it takes a lot of effort to avoid it. How's that going to work?
None of this is to take away from your accomplishments here, by the way. The exact opposite in fact, you've got an interesting enough idea that it prompts interesting questions of the mechanics.
P.S. do you have any long-term plans to IPO this if it becomes successful? If not, some kind of guarantee that this platform is immune to enshittification would probably be very, very popular.
It seems counterintuitive to restrict users interacting with your platform, but I could also see it working the other way (I want to login and use my daily allowance instead of losing it).