Unified Banking Act

The citedel unified banking act was a way for peaple of all kind to manage thier money by using the credit system you will be able to purchase any items legel or unleagel any where were the purchase was made.The volus were the first race to come up with the unified banking act since do to there culture by bartering and trading things even people to gane states has allowed them to pursue economic persuites and they continue to moniter and manage the citidel unified banking act for anyone with a bank accont.

When playing Mass effect the player shepard will use credits to purchase items which is tied to his bank accont that you that you can increase from killing,helping civilians,or opening special crates with credits inside that is managed by the unified banking act that you will continue to put credits into until you reach 99,999,999 which is the max amount of credits showing that your money is tied into the unified banking accont by the unified banking act.

When the system alliance joined the citedel it various thearuies were linkin to the credit network which is manage by the unified banking act by the volues and now a human with an account can purchase items in local currency and credits.