I’d personally lean toward Option B for a production style system.
For VIP/high-end clients, the value is usually trust, auditability, compliance, and smooth payment experience, not necessarily forcing every payment action on-chain.
Off-chain payments with on-chain verification gives you the best of both worlds: Stripe/bank handles the real money flow, while Fabric records proof, receipt hashes, and payment events for audit trails.
A native token system is interesting technically, but it adds complexity around accounting, refunds, regulation, liquidity, and user onboarding. Unless the token itself is central to the business model, it may be over engineering.
A hybrid model sounds strongest: traditional payments first, blockchain as the trusted audit/verification layer.
