Highguard

Before launch the developers were quite outspoken on monetization in some modern games. stated the following:

We wanted to build a store that we want to see ourselves as players, so cosmetic only, direct purchase only, no RNG, no loot boxes, no pay for power, no pay to win, and everything in the store is $9 to $20 at launch. There’s nothing more than $20 in the store.

A lot of games, they're making a gumball machine where you have to make a lot of fluff with only a couple of cool prizes in there. We're not doing that. We're making a toy store where you want to go in and see your favorite action figure on the shelf. When you're ready, you go look at the back of the box, you look at all the cool stuff, and then you go buy it.

On release not all they promised is true. Items in the store can not be purchased directly. Instead they are purchased with a premium currency: Highguard Gold. This currency is only available through real-world purchases. Gold is purchased in packs that come in quantities where 1000 Gold equals roughly 10 USD, with larger bundles granting more Gold for your money.

All cosmetics are purchased through bundles and can not be purchased on their own. If you wish to purchase a particular skin, mount, or emote without having to also purchase other items, you can't. Bundles come with various quantities of items, always containing either 6 or 7 items. The cost of these bundles varies. Some coming in at 900 Gold (roughly 9 USD), some at 1600 Gold (roughly 16 USD), some at 1800 Gold (roughly 18 USD), or 2200 Gold (Roughly 22 USD). The quality of items does not seem to vary between the different bundles in a lot of cases. A 1600 Gold bundle might contain 6 Legendary items, but a 900 Gold bundle might also contain 6 of the same type of Legendary items. The only outlier are packs with cosmetic mounts, which tend to be more expensive.
Gold is purchased in packs of 900, 1600, 2200, 3400, 5700, and 11800. The price of some bundles (900, 1600, and 2200) matches that of Gold packs, making purchases without left over currency consistently possible. The only outliers are the bundles for 1800 Gold.

Cosmetics include character skins, weapon skins, emotes, weapon charms, and mounts. No cosmetics provide extra power.

The game contains two play-to-earn currencies:

• Warden Credits, these are earned by playing the game and completing challenges. This currency is used to purchase cosmetic content in an always rotating store, where 5 items are shown each week.
• Vigil Tokens, earned by playing the game. These are used to purchase cosmetic content in what is called a "War Chest". This is close in function to Battle Pass systems where you can unlock content per page, with each following page requiring a certain amount of unlocks on the previous pages.
  Both of these currencies can only be earned by playing the game and can not be purchased with real life money through any means.

The game also features free cosmetic content through "Quests". This is a limited set of achievement-like challenges, each granting a unique cosmetic item.