Adding wallet deposit and withdrawal system

Hi, I am pretty new to WordPress so forgive me if this should be easy but I couldn’t find it anywhere on the forums or google already.

Before you read further, note that what I am trying to achieve is very similar to Valve’s Steam Wallet but I want the user to be able to withdraw as well as deposit.

What I would like to do is to create a wallet system that is tied to the user account. The idea of a wallet system is where someone pays for tokens/virtual money and then that is added to the user’s overall balance. The user should then be able to purchase virtual items from my website and also be able to withdraw money from the wallet. The user should accept withdrawals and deposit using Paypal.

So far, I have managed to enable the user to buy ‘tokens’ using Marketpress Lite (similar to Woo-Commerce) but I have not:
– Got a place that displays the wallet balance
– Got a method that enables the user to withdraw tokens as real money
– Got a method that enables items to be bought using this virtual currency

I am using the theme BizVektor by the way.