Transaction Cards
Technological Transaction is the storage and transference of credits there are many versions of this technology, though most of them use cards, there are alternate mediums like capsules or communication devices.
Discovery
Different planets have different versions of discovery but the first person in the universe to invent credit was the Nightingale Corperation, they invented it in the M(IV)CM and M(IV)CMI space technology was invented by the same company (not the first in the universe though, first in Papiliosidus only) and secretly sent throughout the entire universe but was actually sent to the Eastern System where space technology was already very advanced.
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