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[[File:BCredSymbol.png|thumb|bCred Symbol]]
'''bCred'''—short for '''Bio-encoded Credit'''—is the default currency of Neo-Europa. It is not a physical token or untraceable coin, but a bio-linked unit of economic trust encoded directly into a citizen's neural or spinal implant. Managed by the city’s economic oversight protocols and backed by Council algorithms, bCred is deeply entwined with identity, access, and class.

== Overview ==
Unlike traditional currency, bCred functions more like an encrypted personal ledger than a transferable object. Every transaction—whether digital, verbal, physical, or neural—leaves an imprint on a citizen’s behavioral profile. Spending is monitored not just for value, but for intent, pattern, and social context.

== Origin ==
bCred was introduced following the [[Second Credit Collapse]] of 2071, which rendered all unsecured digital currencies unstable. In response, the [[Council of Nobles]] enacted a sweeping reform known as the '''Sovereign Circulation Mandate''', standardizing bCred across all CivSpheres and corporate enclaves.

== How It Works ==

* '''Embedded ID Linkage:''' Each bCred account is locked to a biometric neural signature (Spinal Gate, Cradle Jack, or Neural Mirror).
* '''Council Oversight:''' All transactions are routed through a decentralized Council-run quantum ledger system known as ''CoreMint''.
* '''Sentiment Analysis:''' Purchases are scored not only on amount but moral alignment, location, and political risk.
* '''Decay Logic:''' For low-tier Ladder citizens, bCred may expire after prolonged inactivity—encouraging participation and obedience.

== Key Features ==
{| class="wikitable" style="width: 100%; text-align: center;"
!Feature
!Description
|-
|'''Biolock Encoding'''
|Tied to your nervous system; cannot be stolen without surgical interference or high-end identity spoofing.
|-
|'''Fracture Penalties'''
|Criminal acts may “fracture” one’s bCred wallet, rendering portions unusable or locked.
|-
|'''Micro-Transactions'''
|Payments for things like Veil filters, ladder boosts, or neural tunes cost micro-fractions of bCred, often unnoticed in the moment.
|-
|'''bGhosts'''
|In rare cases, a dead or erased individual’s bCred signature lingers in the system, creating ghost-wallets that are sometimes hacked or worshipped.
|}

== Social Stratification ==
bCred is deeply class-coded. While all citizens technically use the same currency, the experience differs greatly by tier:

* '''Gilded Core elites''' have auto-replenishing bCred streams from megacorp dividends and “luxury trust nodes.”
* '''Middle Class users''' carefully monitor transaction histories to maintain Ladder Points and qualify for sphere upgrades.
* '''Ladder Class citizens''' often fall into “spiral debt,” where spending generates negative score modifiers.
* '''Nulls and slummers''' rely on barter, flesh currency, or hacked bCred chips extracted from corpses and rogue shops like [[Bleeding Rose|The Bleeding Rose]].

== Cultural Notes ==

* “You bCred-poor or Ladder-poor?” is a common phrase used to distinguish between temporary bankruptcy and systemic social failure.
* Some cults believe the Council manipulates moral alignment scoring to spiritually punish dissent.
* Certain rebel groups promote illegal tools known as '''bShadows'''—fragments of dead bCred identities used to mask transactions.

== Symbol ==
The bCred symbol is a stylized '''Σ''' (sigma), with circuit-line etching and a central vertical slash. Guilds and black market vendors sometimes tattoo or brand this symbol on clients.

== See Also ==

* [[Ladder Points]]
* [[Bleeding Rose|The Bleeding Rose]]
* [[Nulls]]
* [[CivSphere Types]]
* [[Council of Nobles]]

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Admin AK: Added Text and Images