Credits

Galactic Credits
	Universal Credit Symbol
Type	Currency
Information
Usable	Yes
Defensive Target	Self, Ally, Hostile

Description

The universally accepted digital currency across most galaxy systems. Credits can be used in different fashions, but the common uses of the credit is by way of instant wireless transfer or through the use of credit chits. In slang, credits are also known as "creds"--or colloquially known as "dollar", "cash", and "money".

History

Currently, there is not enough information to determine the history of this currency.

Usage

This currency is used for most exchanges, usually in places where there is sentient life with established industrialized societies. Even the simplest of economies are able to adapt the use of credits. Credits have been widely popular due to its reliability and speed of instant transfers.

Credit Chit - The credit chit is a fashion of using credits in a physical form and come in a variety of shapes, sizes and types. Limits can be programmed from a user's credit account settings to dictate how many credits each chit is worth. Usually users will have it set to the default setting. For those who want to carry less chit for a higher credit value, they run the risk of losing large amounts of credits if the chit is lost or stolen. Tangible objects that store credit value is very handy in case instant transfers, automatic teller machines, or credit banks aren't nearby or readily available; especially useful for traveling adventurers, businesspeople, and tourists.

Wireless Credit Transfers - The next popular method is wireless transfers. To enact this transaction, the users only need to exchange account information by way of credit account scans and provide the value to be exchanged. Large sums of credit value is usually exchanged in this way because of its speed and security.
- For Captain Steele, the codex is capable of money transactions and it can be used to handle wireless credit transfers.

Using credits as a base value currency simplifies many economies and most large societies who adapt to the currency tend to fair better than those that do not. Smaller societies may manage with or without the use of credits, as bartering systems fair just as well. Though the officially-determined base value remains pretty constant over several years, the interpretation of value may vary between planet to planet, system to system. Some vendors may adjust their prices from the base value of a product due to their economic climate and how they interpret the value of the credit; which makes it easy for a shopkeeper to mark up and down prices overall. Those who work in the smuggler profession and deal with credit value all the time can usually spot this and bargain for more even pricing.

Issues

Depending on how one pays with credits, there are possible disadvantages to using such a currency.

All transactions are final.
As with most digital currencies, cases of computerized hacking are an issue, though very rarely does it happen given the security of the algorithmic decoding that needs to be done in accessing the credits' raw value.

This currency is universally accepted, but not strictly enforced, so some places may refuse transactions involving credits.
A transaction that exclusively requires the use of credits may not be open to a bartering system of trade.
Carrying credits on a loose, physical device or on chits have a higher rate of being stolen.
- Some types of credit chits have security measures in place (like DNA or biometric scanners) to prevent theft, but mass-produced varieties do not have such features.

There have been reports of varmints eating credits.

Alternate Currency

So far, in universe, the alternate currencies mentioned in-game are:

Federation silver - Main currency for the Scarlet Federation.

Notes

During April Fools credits become dogecoins.

Credit Farming

Methods found by the community to be good at making money at different points in the game, without using cheats. Lash is the only exception as defeating him is somewhat of an exploit. This list is not all inclusive.

Mhen'ga

Vanae Spears - 1k each, best to save and sell to Anno, but she'll only buy them once recruited
Sky Sap - 1k each, sell to Kelly
Strange Egg - Sell to V-KO
Burt - Zil stuff

Tarkus

Raskvel Gang - Check Raskvel gang, couple thousand average
Dr. Lash - See page for fighting strategy
Recruiting both Sera (and starting her shop) and Anno allows you to buy from Sera and sell those items to Anno at a higher price than you bought them
- Also note that even if Sera is not recruited, crew Anno will buy any item from the player at the highest rate.
Hammer Shields from the sex bots
- A good place to farm is the area near the Stellar Tether. If you have enough Intelligence, Gray Microbots are guaranteed from the Gray Goo and a full stack is worth almost as much as a Hammer Shield.
Lumi's drops
Paulette - possibly requires Steele has Milk Squirt tease available
Either recruit Anno as soon as possible, or do Colenso's quest to increase his purchase prices

Myrellion

Bothrioc Pidemme and Bothrioc Quadomme drops
Nimue's Magma Crusher
A Level 6+ Smuggler can buy from Gene and sell to Anno for a profit

Uveto

Befriend Frosty and run around the beach gathering Lucinite and Savicite, use Nog’wich_Leash to increase drop rate.
- Can be done without befriending but is slower. Combat with Frosty can always be avoided.
Korgonne Females and Milodan Priestesses can drop Crude Savicite Jewelry, which can be traded to Kiona for Savicite.

Zheng shi

Mining Robot - Best done early. Releasing the slaves after defeating Maike adds Slavebreakers and Slave Orgies to the encounter pool. Rat's Raiders start appearing 72 hours after landing on Zheng Shi.
Cyberpunk Security Operatives - Augment-Weave Armor
Save scumming black jack (bug fixed to be capped at 5k per bet)

Dhaal

Zaika Ganger Bangtails, Bruisers, Rioters and Techies each have a 33% chance to drop a Ganger Jacket
During the final boss dungeon, Paragon Hazard Armor will continue to drop from Hazard Troopers

Phaedra II

Majority of drops are pretty high value. Vermillion will demand the Ancient Warbot's drops in exchange for Savicite.

Breedwell

Check page for mechanics and more details