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Lore question: How do Credsticks work?

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.

spoiler

In the main quest mission Entangled you can collect the same credsticks from another dimension and keep them. Does this not make sense to anyone else? Honestly I was expecting to get a hail from Galbank regarding suspicion of fraud because I was able to redeem credits from the same wallet apparently twice

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

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