Hi Guys :) Help Me Choose the Best Payment Architecture for My Project

Question

I’m currently building a mini project focused on a VIP car collection inventory platform designed for high-end clients who own and manage luxury or classic vehicle collections.

One of the most important decisions right now is defining the payment architecture for the platform. Since the project is blockchain-oriented and built around Hyperledger Fabric concepts, I’m evaluating two different approaches:

Option A — Native Token System (On-Chain)

Create a native credit token inside the Fabric network.
Clients deposit real money → tokens are issued to their wallet → platform services consume those tokens.
This would create a fully on-chain ecosystem similar to ERC-20 logic, but implemented in Hyperledger Fabric.

Option B — Off-Chain Payments + On-Chain Verification

Payments happen externally through traditional methods (Stripe, bank transfer, etc.).
The blockchain only stores a “payment confirmed” event along with a hash of the payment receipt for verification and auditability.

What I’d Like Feedback On
Which architecture would be more realistic for a production environment?
Which option offers better scalability and maintainability?
Which one would be more attractive for VIP/high-end clients?
Would a fully on-chain payment experience actually add value in this type of application?
From a software engineering perspective, which approach would you personally choose and why?

I’d really appreciate opinions, technical feedback, architecture suggestions, or even hybrid alternatives. Thanks!