Before diving into downloading files, it is important to understand how the emulator handles memory.
Find a reputable save file (usually hosted on sites like Emuparadise, GameFAQs, or dedicated PCSX2 forums). The file usually comes in .ps2 , .cbs , .max , or .psu format.
: Reviewers note that developer CyberConnect2 "nerfed" the amount of Ryo earned in battles, making it much more "grindy" to unlock cosmetics and items compared to previous titles.