Rift also does the token thing (granted the game is FTP and the use is a bit different...round-a-bout subscription) and I can say with certainty, don't expect a fair in game currency trade in the long run. It might start off somewhat reasonable at first but the cost balloons pretty fast. Probably spend the entire month farming just to make sure you can buy another...so you can farm more money...

Plus, what happens when you miss the timing and the token subscription ends while you don't have a new one? Going to have to pay for the subscription anyway at that point as FFXI is not FTP (unless I missed the memo) or wait for the free week to get and use the token.

And would the token itself be somehow auto-consumed when the game recognizes that a reoccurring payment system is not in place, manually use it like food or do you turn it in to a NPC when ready? If not auto-consumed, how do you prevent accidently losing the subscription despite having that token?

Can you stack subscriptions on top of each other and build up months?

At the very least, hoarding it could probably be prevented by making it rare, non-transferable via mog/delivery, but somehow still auction (maybe bazaar) it...

In short, too much thought/testing/implementation/patching after the fact (and therefore money) has to be put into this on SE's side to consider this option probably.

But who knows... I never thought they would change the auto-targeting to work with Trusts!