Equiverse is a genetics heavy horse breeding/showing game. https://www.equiverse.com/
Deluxe is 40 credits a year and 50 credits are $25 usd. Making in-game money isn't too hard, especially if you send horses to the riding school and stack money in the bank for that sweet sweet daily interest.
Auto-tools (very handy) are 2 credits each for 30 days, and you can buy as many as you want at a time, the time alloted stacks. And you can buy credits in-game from other players on a regular basis. The devs even put in a player-to-player credit sales page to make it easier if you did want to by credits. This credit assist just makes things you would already be doing go faster, and lets you have your own stable (saves in-game money) and a couple other totally non-necessary things, as basic is totally playable. If you get deluxe or auto-tools the time doesn't run out on you if you miss days of play.
There is no "energy" or "turns". You might run out of stuff to do for the day, but that applies to everyone, even deluxe members. There are special items you can buy with credits, but none of them are actually necessary for gameplay. Just little bonuses for those who can get them, like non-special or non-exclusive color tweaks, like removing a grey gene that would over-ride the other genetics, breed-again potions or a gender changeing tool if a horse has no foals. Not much lore and fairly realistic with the focus on genetics.
There are in-game money earning minigames and the art is quite nice. It is owned by the same people who have Lioden, but modeled a bit differently.
On that note, Lioden https://www.lioden.com/index.php has a LOT more lore, and is far more in the fantasy arena. It is totally playable without Gold Beetles. I have never felt the need to buy Gold Beetles. I earn enough Silver Beetles. They hold big seasonal events. Lots of amazing art too. It does have the "energy" business, but there are mini games, chat, lore, active forums, and trading to fill the time.
I play Equiverse more than Lioden, and purchased the Deluxe acct. It is handy and simplifies the game for me, but I've played it without too. It isn't pay-to-win. "Winning" only comes with dedication and careful choices on Equiverse. Just FYI.