Ninja start with:
Kages: 10,000
Jounin: 2,000
Chuunin: 1,000
Genin: 500
Academy Student: 250
Ways to get money
There are multiple ways to earn ryo.
Sparing
In a simple match the two users will decide the "bet" they make on the spar, it could be 50 ryo or five million. As long as both parties can pay if/when they lose.
In the result of a tie both players will walk out without losing any money.
Death Match
In the art of a death match the winner will gain all the money the user has gained from missions and such.
Missions
All ninja from the rank of academy student-kage can take a mission, as long as you meat the requirements. Missions will give you ryo, items, and possibly secret weapons, elements or jutsu.
Set up your own shop
You can even set up your own shop! as long as you have role played out the gaining or making of a tleast 75% of your items you cna sell them for any price you chose and gain ryo from other players
War
In an act of war the winning village will be able to take 90% of the losing village's fund. All members who participated in the winning side of the war will gain 15% of what ever won (Without the village winnings becoming smaller)