I thought it was totally monetary... your level increases with how much you are worth.. I might be wrong...
Player Rating for Rebalance v3.30
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Yeah, I´m pretty sure your rank (or rating, if you want to call it that) depends on how much money you have AND the value/worth of all of the equipment you own (ship, weapons, shields, commodities) at a given time. Correct me if I´m wrong, but this seems to be the rank system in my experience.
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Thanx pilots!