Question about the upgrades plugin

I would like to understand this plugin a little more to see if it will work like I'm hoping. Can This plugin allow the site visitors to buy credits to use for each other? Basically use the credits as an online medium to buy and sell local services at a discount. So I set up a site, let people setup their profiles and what services/products they have to sell. The credits would also be a two for one exchange-they get two credits for a dollar. It's kind of a barter/money site idea.