Try out www.starterkitdao.com
There will be a lot of flexibility between on chain and off. Both will be possible.
Ceramic accounts are basically off chain accounts to which u can attach other chains such as eth or hive.
We have built a huge ceramic indexing system that allows ceramic nodes to make content available to any platform that has the indexer installed. We are currently working on and combined hive + ceramic indexing feed so platforms can integrate off chain content and pull from the same database of content via the off chain on chain combined indexer.
Balances will be possible to add if an on chain account connects to a ceramic account
This is the first time I'm hearing about Starter dao haha! This is really cool!