Take the barber on the block.
He cuts hair for five credits a head. His clients hold Service Credits in their own DIRD accounts, and after a cut they share five credits with him — by ID number, out loud, on a call. Over a month it adds up to a register he can hear read back any time he wants.
He spends them the way anyone spends anything: calls home that sound like a free person's, time with the Knowledge AI working his own case, a text to his daughter. Credits are the fuel for everything DIRD does — and nobody can quietly shave a cut off the top, because every transfer is logged and reviewed.
When his family wants money on his commissary books, that's a separate path entirely: they fund a Concierge Retainer and DIRD pays his facility's vendor directly, on their instruction. We take no fee for it.
Service Credits are not cash and can't be withdrawn, mailed, or sent to a bank — see how money works at DIRD. Every share passes a human review before it moves.