It would be unfair to give anyone an in-game advantage on the basis of their IRL financial situation. SWC is not pay-to-win, in any regard. This is why CP ships are always a bit inferior to produceable counterparts, as well.
Paying IRL money for a good in-game asset is essentially the definition of the pay-to-win principle. It's not going to be allowed, and people found doing so will be banned. Earn the credits in-game and find a buyer if you want one.
On a philosofical level, like i said, i understand the answer from the asims, Paying IRL money for a good in-game asset is for me not the definition of the pay-to-win principle. Because otherwise paying SWC to gain a cp ship would be, per your definition, also pay to win?
Pay to win, in my view, is when ascending/descending is down to 10 minutes per level when i pay. Or when my shooting downtime is lowered or when i can buy an Uber ship heftier then the common ship wich can be obtained via regular ways (I hate that too!).
I think SWC isn't pay to win, since when i donate rl monies, it won't give me (or someone who pays) an advantage over other players.
Shout out to my fellow Falleen:
Paying for CP ships is not pay-to-win specifically because the CP ships are designed to be worse than their in-game produceable counterparts. The idea is that you can't acquire any of the best assets with IRL money, only a couple mediocre ones as a thank-you for donating. That was already addressed earlier.