Real-money Virtual Currency (VC) is sold and used to buy player attributes, cosmetics, and MyTeam packs.
Player attributes and MyTeam competitiveness are gated behind heavy VC grinding, so spending real money accelerates progress in a pay-to-win fashion.
MyTeam features randomized card packs bought with VC, plus reveal animations and prize mechanics styled after slot machines and pachinko/wheel-spin devices.
NBA 2K20 is a realistic basketball simulation in which you play licensed NBA and WNBA teams and players under standard basketball rules. Modes include quick exhibition games, franchise management (MyGM/MyLeague), the card-collecting MyTeam, and a story-driven MyCareer where you build a custom player, take him through a scripted rise, and hang out in an online hub called the Neighborhood. There is no violence, sexual content, or bad language beyond occasional mild profanity in the career story. The dominant content concern is monetization: the game uses a Virtual Currency you can buy with real money to upgrade your player and to open randomized card packs, and its pack-opening and MyTeam prize systems use slot-machine and pachinko-style presentation. Online play with strangers supports voice and text chat, though all online servers were shut down as of December 31, 2021.
The game presents professional basketball straightforwardly as sport and competition, celebrating real athletes and team-building. It frames its spending systems as fun collection and progression, with VC purchases and randomized packs woven into the core loop rather than set apart; the chance-based reveal animations lean into casino imagery even though no real money is won back.
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