Money in Downtime

While the amount of credits the PCs can earn during short periods of downtime is significantly less than the value of the loot they gain while adventuring, it can still serve as a satisfying bonus. The PCs might use their credits to outfit themselves better, donate it toward a good cause, or pool it together to save for a major purchase. If you find that a PC tends to forget about their credits or save it up more cautiously than they really need to, offer them rewarding opportunities to spend it. For instance, they might be approached to contribute to a charity in desperate need or sponsor an artist looking for a patron.