Credits are explained to be a digital crypto currency in line with things like Bitcoin or Ethereum today. My question is where is my money stored? Is the whole thing stored in a digital wallet with Galbank, or is it in multiple wallets and I just carry around loads and loads of credsticks?

How do you pay for things in Starfield? Do creds work like debit cards where you use your card to transfer credits though some sort of device or do we somehow store these credsticks like coins? How would you know how many creds are in each stick?

My theory was that credsticks are given out by galbank for free in large amounts to represent a particular digital wallet so that ownership of the credstick means ownership of the wallet.

This for me raises questions about the credsticks you can collect during a specific main quest mission which is a spoiler.

That's just my thoughts on this. I haven't looked anything up so I might have missed something obvious. Let me know what you think