I have an app in which users deposit bitcoins to increase their credit in the website to have access to some specific stuff. So the way I'm thinking to implement this is by using an HD wallet in which I'll have my master keys to myself and generate a child address for each user that signs up and if they send bitcoins to their addresses, their credits will be increased.
The problem is that how can I manage and access all bitcoins with the master keys. thanks in advance.