| Jason Duval | Playable protagonist | Keys drug-running crew (associate of Brian Heder) | Grew up around grifters and crooks; after an Army stint to shake off his troubled teens, he landed in the Keys doing what he knows best — working for local drug runners. |
| Lucia Caminos | Playable protagonist | Independent | Fighting for her family landed her in the Leonida Penitentiary; sheer luck got her out, and she's resolved that only smart moves come next. |
| Cal Hampton | Supporting character | Associate of Brian | Jason's friend who feels safest hanging at home, snooping on Coast Guard comms over a few beers and a few open browser tabs. |
| Boobie Ike | Supporting character / contact | Jack of Hearts strip club, real estate, recording studio | A local Vice City legend who turned his time on the streets into a legitimate empire spanning property, a strip club, and a studio. |
| Dre'Quan Priest | Supporting character / music mogul | Only Raw Records | Always more hustler than gangster; now that he's signed the Real Dimez, his days on the streets are behind him. |
| Real Dimez (Bae-Luxe & Roxy) | Supporting characters / rap duo | Only Raw Records | Friends since high school who turned shaking down local dealers into cold cash via spicy rap tracks and relentless social media. |
| Raul Bautista | Supporting character / heist crew | Independent | Confidence, charm, and cunning — a seasoned bank robber always hunting for talent willing to take the biggest risks. |
| Brian Heder | Supporting character / employer | Brian's Boat Works & Marina | A classic drug runner from the golden age of smuggling in the Keys who now lets others do the dirty work from his boat yard. |
| Lori | Supporting character | Brian's wife | The third wife of drug runner Brian Heder, known for the sangria he insists Jason stops by for. |
| Wyman | Supporting character / fixer | Classic Car Collection | An eccentric collector and local fixer who commissions the Classic Car Collection benefit, tasking players to revive abandoned project cars. |
| Valentina | NPC / client | Mega Mundo | A client who hires Jason and Lucia as security for the Mega Mundo opening party. |
| Andres de Leon | NPC | Mega Mundo | Attended by Jason and Lucia while they work security at the Mega Mundo opening party. |