What does the mechanism for depositing and withdrawing user money on the site look like?

Question

Payment systems

Good afternoon,
Please tell me the mechanism for the input-output of money from the expected site, but what is needed for this. Acquiring bank, accounts, payment gateways?
Example.
The user registers on the site and replenishes his wallet (account on the site) with virtual currency (which rotates within the limits of this system (site)) for real money. Users can instantly transfer their virtual money to other users of this system, and all users can withdraw virtual currency to real, to their accounts, etc.
How does this scheme work?
The site is not an online store and does not provide services.
Many thanks in advance for your replies!

Answer 1

Yandex has the ability to deposit (pay) / withdraw funds . The user paid 1000 rubles, you charged 1000 ye. The user decided to withdraw $500, you withdraw $500. To do this, you need a separate account and an agreement with Yandex.

Answer 2

All you need is either to get a WebMoney passport and connect payment units, but you will have to pay % of income or get a passport and directly connect Yandex, WebMoney, Qiwi payment acceptance.
Everything else is virtual. With the same php, you can implement personal user accounts, transfer funds, withdraw.
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