Everyone has access to a CredChit courtesy of the Lethaw Banking Guild, this is how all money is stored in the crucible with cash phased out save for some of the more frontier of colonies. It allows the digital handling of all transactions, CredChits range from a humble plastic card with a chip on all the way up to ornate gold wafers. The only thing that unifies them is the symbol of Lethaw.
Lethaw Banking Guild