The in-game currency system?

So how exactly does this work cause I’ve seen conflicting information. So as far as I’m aware, there’s Zenny & Fight Money. I’ve seen on a few websites that you can unlock DLC characters, costumes, stages ETC. with the in-game currency essentially not having to pay for DLC. On the contrary I’ve seen people say that the in-game currency simply unlocks the content for purchase in the in-game store…

Very confused as to how this system will work.

If I could/can unlock characters with in-game credit earned from matches. I’d much rather do that then pay actual money for characters I may not even use. For the sake of completion I’m gonna want the entire SFV package obviously.