Looking for developer

I am looking to build a site with user accounts and a way to buy credits/points on the website. Also - and here comes the hard part - Admin should be able to connect documents/pdf/etc to a user account and then let them get some of the credits it costs to download a those specific items. I should work something like shutterstock.com.
I have absolutely no programmering skills, but have worked with WP for a while.

Am I way out of my depth or is this possible to incorporate in a WP theme?

Hello I am interested in this developer project…can we talk more depth on skype