Xian Credit

The Xian Credit, also known as the Tetra Nuan Credit or simply the Credit, is the main form of currency within the Construct Multiverse.

Creation
The Xian credit was first created on the island of Xia, homeland of the Vortixx, when it became realized that a monetary system would be needed to exchange weapons. The first credit was monetized around 25,890BGC, and has lasted to the present day.

Spread
The Vortixx and Matoran became the first species to colonize the city of Tetra Nui, and they brought their respective currencies with them. Eventually, the low value of the Metru Nui dollar proved it useless, and the credit quickly replaced it.

As more species colonized the city, they too adopted the credit. Eventually, even the warring tribes on Zakaz used the credit for their currency, but mostly due to its ability to buy Vortixx-made weapons.

As of the Great Cataclysm, nearly all documented species used the Xian credit for currency. The only beings that couldn't either didn't want to participate in the economic system, or simply did not have enough contact with the main portion of the Construct for the currency to have an impact on their lives.

Appearance
The Xian credit comes in two forms: the protodermic coin, and digital currency.

Coinage
The Xian credit coin is the more common form of the credit, as a digital credit chip requires an account with one of the Construct's massive (and quite untrustworthy) superbanks. The coins themselves appear as small, round discs with their monetary value visible on one side, and the emblem of Xia and the coin's mint and age printed on the other.

The downside to the coinage form is that it is easy to steal, although thieves will mostly try to hack into the larger digital accounts for easy pickings.

Digital Currency
The Digital credit is mostly used by richer or upper-class individuals who have money stored away in a bank that provides digital accounts. The money can then be transferred by scanning a credit chip, the three-inch wide, four-inch long chips that carry the money. Omni-tools can also be used to transfer money with the right amps installed.

Appearances
In the Affairs of Dragons (First appearance)

Trivia

 * The credit is the usual standard currency within the science-fiction genre.
 * The credit chip pictured in the article is a credit chip from the Star Wars movies.
 * The monetary value of the Xian credit is the equivalent of 1.25 to 3 U.S. dollars.