Greetings,
In my web3 career I've built several tokens for internal use. Mainly one that would seem very similar to what you are trying to build was a token for a video game that players could buy and sell with their credit card and the amount of tokens held by the players determined the share they would receive on the game profits.
The game was launched on testnet and then the creators abandoned the project, however, I still have the code and I think it would serve as a great starting point.
One thing I need to warn you about however: if you need your users to be able to purchase this token with regular currency, I am perfectly able to integrate payment processing into your existing website but there are administrative steps you will have to take yourself to register as a merchant. These steps can be taken directly with your bank if they support it, or with third party payment processors like Stripe, Adyen or Paypal.
Let me know if you feel like this could work for you, I am available for discussion.