Torn City Merits
From Torncity WIKI - The official help and support guide
Merits are a type of currency awarded for achieving goals within Torn which generally give Medals along with merits city e.g. a certain level, they can also be bought at the points building for 500 points (roughly 30M). There is a limit on the amount of merits that can be bought; one merit can be bought for every 2 levels you upgrade, leading to a maximum of 50 merits that can be bought at level 100.
Merits can be reset for a cost of points. The first reset costs 500 points, increasing 250 points at a time (second reset costs 750 points) up to a cap of 5000 points per reset. Gaining Honors and Medals rewards you with a merit.
Merits are used to gain bonuses, all of which are incremental (price increases by 1 merit after every upgrade) and you can upgrade them up to 10 times, at a cost of 55 merits these are:
You can spend merits to give you passive bonuses with fighting stats. A passive bonus is constantly modifying your stats as they increase by a fixed percentage rate.
Note: At 10/10 upgrades stats act as if they are boosted by 30%.
Sharpness - Passive bonus to Speed
Brawn - Passive bonus to Strength
Protection - Passive bonus to Defense
Evasion - Passive bonus to Dexterity
These upgrades will increase your accuracy and damage done with the weapon type of your choice:
Note: Each upgrade adds 3% damage and accuracy.
Heavy Artillery Mastery
Machine Gun Mastery
Hospitalizing - Increases time when hospitalizing people by +10 minutes.
Stealth - Increases ability to do stealth attacks (unclear how much this determines the ability to "stealth" someone.)
Masterful Looting - Increases money gained from mugging (current mugging is around 0.67%, it is rumoured that this adds a further 1% to muggings.)
Bank Interest - Increases bank interest by a small amount.
Awareness - Increases ability to find items (note: even with 10/10 awareness, it is still possible to never find anything, it is down to luck, and this just increases your luck.)
Education Length - Decreases education course length by 2%.
Crime Points - Increases crime success ability by +3%.
Life Points - Constantly modifies life by +5%. (As your life goes up as you level, spending your merits on this at level 1 and leveling up to 50 with them is the same as spending them on this at level 50 for the first time.)
Critical Hit Rate - Increases critical hit rate by 1% (Default critical hit rate is approximately 5% without upgrades.)
Nerve Bar - Increases maximum nerve bar by 1 point.
- You used to be able to upgrade daily Casino token gain by +10 per level, this was removed on 02/03/12 when token refills were implemented. 
- Merits used to be able to be spent on gaining stats, health, yasukuni swords, rusty swords and a firewalk virus.
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