Credit chip technology was created, and later perfected, centuries before 32 BBY. The technology was created as a means of allowing quick and easy access to funds and to protect users from theft. Credit chips had security codeouts and credit algorithm memory stripes integrated into their circuitry. Modifying a credit chip was possible though extremely difficult. And though it could be altered to access a different account than it was coded for, this was practically impossible. Because of common security countermeasures, a failed attempt to modify the chip activated self-destruct programming, destroying the chip.