ARC Raiders does not feature a single currency as you will see several ones and they don’t work the same way. Some of them help you buy equipment while using some, you can unlock the progression and rewards. You need to understand which currency needs stacking and which ones to spend first. Using this ARC Raiders currency guide, you will get to know how each of the in-game currency works and what’s the best way to spend them.
How Currency Works In ARC Raiders
ARC Raiders uses different currencies for trading and character progression. Coins handle most everyday purchases. Other currencies are tied to special rewards or specific vendors.
The Frozen Trail 2.0 update also changed how pass progression works. Cred was removed and replaced with Reward Points. That means older guides mentioning Cred may no longer reflect the current system.
Focus on the currencies you’ll encounter while playing and progressing through Speranza.
Coins: The Main ARC Raiders Currency
Coins are the standard currency you’ll use most frequently. They pay for equipment and help you maintain a reliable inventory.
You earn Coins by extracting valuable loot and selling unwanted items. Trader quest rewards can also provide additional income.
Coins are useful for buying weapons and medical supplies. You can also spend them on Augments or Stash upgrades.
Beginners should avoid spending everything on expensive loadouts. Keep enough Coins available to replace equipment after unsuccessful raids.
A healthy Coin balance makes recovering from losses considerably easier.
How To Farm Coins Efficiently
The fastest way to build your Coin balance isn’t necessarily fighting stronger ARC machines.
Short farming runs can provide consistent income with fewer risks. Focus on collecting valuable items and extracting before unnecessary encounters develop. High-value trinkets are particularly useful because their main purpose is selling for Coins.
Check item descriptions before selling anything. Some materials may be needed for workshop upgrades. Prioritize successful extractions over maximum backpack value. Losing a full inventory produces no selling income.
Assorted Seeds: A Separate Trading Currency
Assorted Seeds are a special resource used for trading with Celeste in Speranza.
You can collect Seeds while exploring topside. They can also come from salvaging certain nature-related items.
Celeste accepts Seeds in exchange for useful supplies, including crafting materials. This gives Seeds a different purpose from ordinary Coins. You can sell Seeds, but that isn’t always the best option.
Check Celeste’s available exchanges before converting your Seeds into Coins. A useful material trade may save you another farming run.
Reward Points: The New Progression Currency
Reward Points replaced Cred with the Frozen Trail 2.0 update. They’re used to advance your active Reward Pass rather than purchase combat equipment.
You earn Reward Points by completing Feats.
| Feat Difficulty | Reward Points |
| Easy | 15 |
| Medium | 25 |
| Hard | 50 |
Weekly milestones also provide additional Reward Points. Each of the three milestones awards 250 points.
As of November 10, 2026, Embark’s published update notes confirm these values. Weekly milestones unlock at 4, 8, and 12 milestone progress. Easy Feats add 1 progress, Medium Feats add 2, and Hard Feats add 3. You can check these details in the official Frozen Trail patch notes.
Reward Points automatically progress your selected pass. You can only have one active Reward Pass at a time.
This makes selecting the correct pass important before completing more challenges.
What Happened To Cred?
Cred was the previous currency used for Raider Deck progression.
However, Embark Studios retired Cred when Frozen Trail 2.0 update launched on October 8, 2026. Remaining Cred expired with that update.
Any unspent Cred was lost when the update launched. It was not converted into Reward Points and cannot be used through the Legacy Pass. Embark confirmed this in its Cred expiration announcement, which advised players to spend their remaining Cred before October 8.
Existing Raider Deck rewards weren’t deleted. They moved into the Legacy Pass system. You can continue working toward older rewards by selecting the Legacy Pass as your active pass.
Check your active pass before focusing on Feats. Otherwise, your progress may go toward a different reward track.
Merit: Currency For Limited-Time Events
Merit is an activity-based currency tied to special in-game events. It is not part of the regular trading or character-leveling system.
Unlike Coins, Merit isn’t something you normally accumulate through ordinary trading. You earn it by participating in eligible event activities. You spend Merit to unlock rewards on the event’s reward track, including cosmetics and Raider Tokens. It isn’t exchanged through a regular trader. The important difference is its limited availability.
Merit doesn’t carry over after its event ends. Spend it on available rewards before the event closes rather than saving it indefinitely.
Raider Tokens: Premium Currency
Raider Tokens are the game’s premium currency. They’re primarily obtained through real-money purchases.
However, you can also earn Raider Tokens through Reward Pass rewards, Projects, and Live Events.
You can use Raider Tokens for cosmetics and premium Reward Pass access. They don’t directly increase your weapon damage or character combat stats. Premium passes can provide additional cosmetic rewards compared with free tracks.
Treat Raider Tokens separately from gameplay resources. You don’t need to purchase premium currency to maintain ordinary equipment progression.
Skill Points: Character Progression
Skill Points aren’t traditional trading currency. Instead, they’re spent on your character’s permanent progression abilities.
You earn Skill Points through leveling. Expedition rewards can also provide additional points. These points improve your character through three skill branches.
Mobility focuses on movement efficiency. Conditioning supports stamina and survivability. Survival improves resource gathering and other looting-related abilities. Unlike Coins, Skill Points aren’t spent at ordinary traders.
Choose upgrades based on your playstyle. Movement improvements are especially useful when learning extraction routes.
ARC Raiders Currency Comparison
Each currency serves a different purpose. You can’t simply replace one with another.
Coins help you prepare for raids. Reward Points advance pass rewards, while Skill Points improve character abilities.
| Currency | Main Source | Primary Use |
| Coins | Selling loot | Equipment purchases |
| Assorted Seeds | Scavenging | Celeste trades |
| Reward Points | Feats and weekly milestones | Reward Pass progression |
| Merit | Live events | Event reward tracks |
| Raider Tokens | Purchases, passes, Projects, and events | Premium rewards |
| Skill Points | Leveling | Character abilities |
Which Currency Should You Prioritize?
For beginners, Coins deserve the most attention. Without enough Coins, replacing lost equipment becomes difficult.
Assorted Seeds are worth collecting when you need resources offered by Celeste.
Reward Points are useful for progressing through the currently selected pass. Merit becomes important whenever an event is active.
Skill Points should be spent carefully because your chosen upgrades directly affect gameplay.
Spend resources where they solve an immediate problem. Don’t exhaust your Coins chasing equipment you rarely use.
Conclusion
Every ARC Raiders currency serves a specific role. Coins support everyday purchases, while Assorted Seeds provide trading opportunities with Celeste.
Reward Points handle pass progression following the removal of Cred. Merit is tied to temporary events, while Raider Tokens unlock premium content.
Skill Points are different because they improve your character directly.
Understanding these differences helps you manage resources without wasting valuable progression opportunities.
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FAQs
Can You Transfer Coins Between Players?
ARC Raiders doesn’t provide a conventional player-to-player Coin transfer system. Players can share certain equipment during raids, but that isn’t the same as transferring currency balances. If you’re helping a teammate, bringing useful supplies may be more practical.
Do You Lose Your Coins When You Die?
Coins already stored in your account aren’t automatically lost when you’re eliminated. However, items carried during a raid can disappear if you fail to extract. That means you lose the potential income from selling those items.
Can You Earn Raider Tokens Without Spending Money?
Raider Tokens are primarily purchased using real money, but certain reward tracks may also provide them. Projects and Live Events can also award Raider Tokens. Check currently available pass rewards before assuming every Token must be purchased separately. The available amounts depend on the rewards being offered.
Should You Save Coins For Expensive Weapons?
If you are looking for specific equipment then you should go for coin saving. Otherwise, you will spend most of your balance on one weapon and you will have nothing left for basic supplies. Sometimes, your raids are unsuccessful so you need some reserve to compensate them. Only go for the expensive purchases when your resources can support the risk.
