Hey, thanks for contacting us, we have a few themes that tick the boxes for you, the multi seller marketplace with own user panel and all dashboard for users/shops and ability to allow digital downloads sell/buy. See below these two themes
1. pricerr theme, is very similar to fiverr marketplace website, where you can sell services/downloadable goods (you do need the PRO version, at this time 299$ to allow this)
Best WordPress Service Marketplace Theme – Fiverr Clone 2024
2. auction theme, similar to ebay type of site, multiseller marketplace , digital downloads (in PRO verison)
WordPress Auction Theme – Create Auction Websites Today!
let me know