Hello Skatan,
It's kind of neither.
It's a multiplayer game.
For logging in you get like 5k credits with which to play against other players.
They 'offer' money for credits but never do that.
Also, as a side note, careful with poker cards. I invested a cool thousand of real life money in a casino to get good at it.
Only to find that the aim of the game is to find weak prey to take money from.
Poker eats you up, and makes you a good liar.
It's a fun way to play cards, buy neat sunglasses with your winnings and strategize live on the fly with others.
It also serves the function of relaxing rote thoughts before bed for me.
Learn to fold my friend, learn to fold.
~shmity