Credits & Coins
Credit Coins (also known as Credit Chips) are the standard form of physical currency used throughout the Settled Worlds of Mann. These small, high-security technological coins serve as portable containers for digital credits, enabling individuals to transport wealth from world to world.
While local credit transfers to and from accounts exist, travel between star systems or unlinked worlds often requires physical Credit Coins to access or deposit wealth.
Overview
Credit Coins appear as simple metal coins, often gold in tone, with images of kings, hoard crests, or religious sigils from the star nation or guild that minted them. They might have the noble sigils of approved hoards or banks or any number of other images. Despite their humble appearance, each coin is embedded with highly advanced encryption technology, making them unhackable, non-cloneable, and untraceable.
Upon arrival on a new world, individuals must deposit their Credit Coins into local Hoard vaults or authorized institutions to access funds. While some banks or major Hoard Guilds, such as the Star Hoard of Hacksilver, maintain interstellar ledgers, inter-branch credit transfers can take days or weeks to approve and process.
C.O.I.N.S. System
C.O.I.N.S. stands for Credit-Operated Interstellar Nexus Security.
This is the standardized protocol that governs how Credit Coins are sealed, secured, verified, and validated across the Settled Worlds.
“In coin, trust. In trust, the Hoard.” — First Oath of the Ledger
Hrothvar ‘The Lawgiver’ Umbra Ravenborn formalized a standard in Furse coins that continues to this day through the star nations that maintain his laws, in collaboration with the Star Guilds and parliamentary bodies of the Furse Star Empire. The C.O.I.N.S. system ensures that all recognized Credit Coins carry identical encryption architecture, binding them to the authority of the Hoards. Most star nations of similar systems in place through the many different spaces of the Settled Worlds of Mann.
Coin Name:
Value (Credits):
Material:
Authorized Use:
Coin Name: Copper Coin
Value (Credits): 100
Material: Hammered Red Bronze
Authorized Use: Daily transactions, food, fare, tips
Coin Name: Silver Coin
Value (Credits): 1,000
Material: Bright Silver
Authorized Use: Mercantile exchange, wages, small contracts
Coin Name: Gold Coin
Value (Credits): 10,000
Material: Deep Gold Alloy
Authorized Use: Military pay, noble trade, Hoard deposits
Coin Name: Platinum Coin
Value (Credits): 100,000
Material: Pale Platinum
Authorized Use: Land deeds, starship parts, high-level bribes
Coin Name: Blank Coin
Value (Credits): 1,000,000+
Material: Forged Black Alloy
Authorized Use: Illegal; used in underground banking, lost vaults
Coin Colors and Appearance
Copper Coin – Dull red-bronze; light and worn
Silver Coin – Clean silver, stamped with a simple crest
Gold Coin – Rich golden tone, often bearing the face of a king or warlord
Platinum Coin – Pale white sheen with ornate inlaid sigils
Blank Coin – Matte black or obsidian, often unmarked or engraved in cryptic runes
Coin Use and Protocols
Spending Coins
Performed via tap to an arm-ring, kiosk, or handheld reader.
Transfer is instant, subject to local Hoard verification.
Loading Coins
Must be performed by a licensed Hoard station, authorized bank, or recognized Coin Steward.
Takes hours to days, especially with foreign-minted coins.
Loading requires authentication, approval, and often background checks in high-security zones.
Fees apply for larger or foreign loads.
“Draining a coin is easy. Filling one? That’s paperwork, pledges, and patience.”
Encryption Limit & Security
All Credit Coins are bound by a fixed maximum limit, due to the quantum-sealed encryption lattice. According to engineers.
“The technology that makes Credit Coins unhackable also limits their capacity. The encryption lattice becomes unstable above 100,000 credits, any more, and the quantum seal risks collapse.”
This limit inspired the creation and illicit trade of Blank Coins, which bypass this restriction entirely.
In the early days of the technology tens of thousands of years ago, that hard limit was a few credits and as slowly increased with time and advancement.
Blank Coins (Illegal Currency)
Blank Coins are unsealed, unregulated coins forged outside of the C.O.I.N.S. system. These tokens are dangerous, often used by:
Crime lords
Fallen houses
Black markets
Ancient vault keepers
Though capable of storing vast sums of credits, they lack the safeguards of official Hoard-issued coins and are more easily corrupted, duplicated, hacked or erased.
Legal Status
Unrecognized by all major Banks and Hoards.
Illegal in most star nations
Possession may warrant arrest, exile, or investigation by Hoard Inquisitors
Furse Space and the Law of Coins
Credit Coins, while used across all Star Nations, were refined and codified in Furse Space under Hrothvar ‘The Lawgiver’ Umbra Ravenborn. His economic reforms established the modern coin structure and initiated the Crown-backed C.O.I.N.S. system.
“Let it be known across Furse Space that the issuance, loading, valuation, and exchange of physical currency shall be governed by sacred law.”