Wanted to do a small program based on new economic rules, function and use of process logic diagram below,



Should I use normal development or cloud development, please?

Watch the little programming tutorial for a few days I didn't understand users publish the project for other users to see how to realize the platform, the user's money and credit how changes by other users' operation, how to implement these?

I want to earn enough money or later to find such as investment, then get a app, if WeChat applet migrated users how to inherit the user in the app in the app in WeChat small program of money and credit, what should I do?