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Thank you for bringing this topic to our attention. It may differ case-by-case depending on the situation, however, we would like to reiterate that Real Money Trading (RMT) is not allowed in Mabinogi per our Terms of Use (https://www.nexon.com/main/en/legal/tou/). If you are unsure if a specific action will go against our ToU, please feel free to submit a ticket to our Customer Support.
We've confirmed with our Customer Support team that in-game currency exchange for an art commission is allowed (if that's actually the case). If there are no other ToS breaking actions involved, there is no need to be concerned. Thank you.