I'm curious to know, could you explain the concept of "credits" in relation to the US dollar? Specifically, I'm wondering if there's a direct conversion rate or if "credits" are tied to a specific cryptocurrency or financial system. How do these credits correspond to the value of a US dollar, and what are the implications of such a relationship, if any? Is this a commonly used term in the cryptocurrency or finance world, and if so, how does it differ from traditional currency exchanges?