A credstick is a flash drive like device which can be inserted into various machines to transfer funds, much like a credit card. In 2052, credsticks are a primary method of transferring funds with no paper trail. Before 2050, they were the primary method of transferring funds for all low-cost purchases. Credsticks come in several different types, of which I am listing a couple below:
A credstick is either a certified or a personal one. Certified credsticks are not registered to any given person, and can be transferred from person to person, where as other credsticks act as a sort of debit/credit card, usable only by the person it is registered to. Certified credsticks are also known as “checksticks”.
Credsticks come in several different grades, which indicates the maximum amount of cash it can hold. They are:
Ivory / Ebony