Niko

"Niko produces pearls that you can click on for a hefty sum of money."

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What it does

Niko opens up after 34 seconds and every 40 seconds after that to reveal a pearl, which can be clicked on (not collected by pets!) for $250 or, in Virtual Tank, 10 shells. Niko does not move.

Strategy

Niko produces an average of $6.25/sec. This is less than Shrapnel's $8.33/sec, but does not bear the risk of killing fish instead.