Star fleet personell and others who do shipping work etc get paid starfleet credits into their accounts that they can use outside the federation if they want. In Star Trek Fleet Command Officers can perform one of the three roles: Ship Commander, Bridge Officer or Crew Officer. Meaning you get about enough to turn over the contraband every 3-4 days, if you are purely feds.
Star Trek Fleet Command expands its universe with the launch of a brand new arc, Star Trek: The Next Generation! Enter a galaxy on the brink of war as Federation, Klingon, and Romulan forces vie for control of the Alpha and Beta quadrants. We are a semi-canon based sim, commencing our voyages in 2289, approximately two years after the events of the movie Star Trek IV: The Voyage Home with some modifications to the continuity.