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[–] Vailx ago 

As to the first, no. If I can have one anonymous account, I can have hundreds. If I can share one with someone, I could share one with hundreds.

If credit cards are involved, SURE, that would absolutely work. Now you have a central location though, a repository. It's not peer to peer any more. Still, a credit card is unique enough that if you could find a way to use that in a way that was peer to peer without revealing the card info to everyone, like those encryption methods that allow transformations to be applied... hrm. Honestly, there COULD be a way to make this part peer to peer.

As for the code based tech check, I'm sure there's somebody who has a way around that stuff. Your second part seems doable and really great though.