How, within the framework of the legislation of the Russian Federation, can a site accept money and give users their own currency?

Question

Payment systems

The situation, there is a website (still at the idea stage). People on the site buy the currency of the site and they buy coupons for this currency. In exchange for these coupons, they receive a service in the real sector (the cost of the service is not more than 500 rubles.)
On one of the sites of payment systems, I saw a notice that if the site wants to accept money, and in return give users some currency (as, for example, gold in tanks) then you need to get a special license. Is it really true?
How to pay money to agents? On what basis are affiliate rewards paid?
You need the names of the jurisdiction of the Russian Federation in order to pay money to people providing services (individual entrepreneur or LLC) to a current account