Credits

Credits are the standard in-game currency for singleplayer mode. They are used to purchase weapons and weapon mods, armor, consumables, resources, augmentations, ND1 Nomad upgrades and paint jobs, and special items.

Acquisition
Credits are earned as a reward for completing certain missions, selling items, found in containers, or in the remains of defeated foes in the Item Pickup menu. In addition, the Commerce Cryo pod perks Financial Infrastructure and Financial Infrastructure II provide credits at a fixed rate of time. Strike team missions are another possible source of income with credit loot boxes.

Rates
With a few exceptions, all merchants have the same rates for buying and selling.
 * After A Packaged Deal, Thrasia pays more than other merchants and charges less.
 * Annea always pays more and charges more.
 * While the Blood Threshers Manager and Team Ryncol Manager in New Tuchanka are not merchants who sell goods, they will purchase whatever Ryder has to sell. They pay full price. They also pay substantially more for salvage than anyone else.

The Commerce Cryo pod perks Grey Market and Grey Market II improve prices across the board.

All merchants have an unlimited supply of credits.

Base Rates
Purchase prices are five times the sale price (5 to 1), except for resources, which are six times the sale price (6 to 1).

Grey Market
Sale prices are 25% higher and purchase prices are 5% lower. Purchase prices are 3.8 times sale prices (3.8 to 1).

Grey Market II
Sale prices are 50% higher and purchase prices are 10% lower. Purchase prices are 3 times sale prices (3 to 1).