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I am inclined to think that money is somehow shared in co-op, but what is exact formula? Do all players get the full amount found, or is the amount found divided equally - or some other formula?

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up vote 6 down vote accepted

All money, ammo and eridian is shared equally amongst co-op players.

See How is ammo shared when playing co-op?

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Others get half the ammo. – NiteCyper Jul 5 at 2:33

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