Its a F2P game but its not really pay-to-win. Money may progress you a bit faster but its not really required. You can unlock ALMOST everything by just playing the game. There are a few things that cant be unlocked by just playing but they are unique skinned mounts and such not really a stat increase in any way. I enjoy it as a alternative to FFXIV so I can play a game while chatting with my friends in a chat party while they are on FFXIV. If anyone would like to play it with me I'm on PSN. One issue with it though is you sometimes get booted with a CE error but you can just boot it back up again.