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Lurked for long, but it's my first post here. (edit: actually, second)
As a player of Lusternia, I think I can answer that question.
The exchange rate is mainly dependant on the in-game price of credits (the "better money" you can buy perks with in IRE games, obtainable by in-game gold, that is by purchasing from other players, or by OOC dollars): with the current price of 4000-4500 gold sovereigns per credit, a player of average experience and level is able to earn a number of credits worth 1.5-2$/hour. Not very much, but as the_logos has posted:
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