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FOnline 3 world is using 7 different currencies.

Currencies are used for trading and purchasing all kind of servies in towns controlled by their respective factions.
They can be exchanged at FLC banks.
Their price is changing based on how many of each currency is currently in game.
You can see which currency is being used in your current location in right up corner of your screen.

Spending Currency

If not counting trading with NPCs or players, you can spend currency in: