Credits (abbreviated as "CR") is a standardized and universal currency in the Milky Way galaxy. Everything bought, sold, or paid for is valued and calculated in credits. Physical money or cash is not used, as all credits are digital and stored/exchanged electronically. Credits are accepted as currency in all human occupied space such as the Core Systems and the Colonia Region.
Every Commander uses the Bank of Zaonce. Players can check their current credit balance and total credits accumulated by viewing the Status menu on the right hand panel of their ship, or in Starport Services when docked at a station.
"The Interstellar Credit (cr) is the universal currency as regulated by the Bank of Zaonce. However, it’s a rather big unit of currency. The approximate value of even a single credit is about $50 in 21st century money. You don’t buy candy bars, meals at fast food restaurants or underwear with credits (unless it’s very nice underwear, of course)."
"The Micro-Credit (mcr) is used for civilian-sized purchases. There are 100 micro-credits to the credit. A micro-credit is about 50 cents in today’s currency. The Unit (u) is small change, with a hundred units to the micro-credit. A Unit is worth a half cent and is generally used only in the child economy or as a rounding fraction to calculate interest. Most adults never consciously use it."