Definitely designed to be pay to win, you get meager amounts of money for beating the challenges and you'll have to buy more and more powerful bikes to continue. Only problem is the money you win doesn't even come close the next bike. Next bike is $100'000, you'll win $45'000 from the challenges you can do with that bike. Unless you want to spend hours and hours grinding you'll have to spend real money. One of the bikes costs $47 real dollars!