# Credit Manager

The **Credit Manager NPC** allows players to exchange **Zeny** for **Credits**, and vice versa. This system gives flexibility for both farming players and donators to trade value fairly.

### 📊 Exchange Rates

* **1 Credit = 980,000 Zeny** (when Trading with Zeny)
* **1,000,000 Zeny = 1 Credit** (when Trading Credits back to Zeny)

⚖️ Note: The slight difference acts as a service fee to keep the economy balanced.

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### 🔹 How to Use

1. Locate the **Credit Manager NPC** in town (usually near the main square or bank area).
2. Talk to the NPC and select one of the options:
   * **Zeny to Credit** → Converts your Zeny into Credits.
   * **Credit to Zeny** → Converts your Credits back into Zeny.
   * **Cancel** → Exit the menu.
3. Confirm your choice. The exchange will happen instantly.