The problem with 'redeeming' these coupons, particularly at face value, is you need to be able to identify whether or not these coupons have been spent or not.

Let us suppose a genuine user buys a $15 coupon (for $10). Under your model you would have liabilities of some $3 in PPD and you would have to share that $10 60/40 with the referrer. Which means of the $10, you should have $3 gross profit (excluding any overheads and bw costs etc). In such a case, that $2 received by the uploaders would be straight into their 'wallets' and they would have to come back to you in order to redeem said funds.

But if all they need is your coupons, they could just buy the $15 coupon for $10, and get $15 back when they try and redeem them.

Unless you can check if a coupon has been spent, you need to do the accounting to avoid opening up yourself to such fraud attacks.
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