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  1. THE FRACTURED REACH
  2. Lore

The Spur Credit System

The Spur Credit System

“In the Reach, you measure worth by what you can buy… and what you can survive.”


I. Overview

Spurs are the dominant currency circulating throughout The Fractured Reach — a unified credit system used on Credence, across the Freecrews’ worlds, throughout the Void Cartel underbelly, and even begrudgingly across Corporate Constellation holdings.

The name comes from their earliest form: metallic chits stamped with a starburst spur, once used to pay frontier haulers and mining crews.
Though now fully digital, the name stuck.
In the Reach, “spending Spurs” is as common a phrase as breathing dust.

Spurs function as both a standardized digital credit and, in some regions, a physical currency, depending on technological access and local preference.


II. Origin of Spurs

Before Spurs existed, every world used its own currency:

  • Corporate brands used proprietary scrip

  • Freecrews used barter tokens

  • Cartels used encoded promissory chips

  • Independent colonies used literal metal bars or printed notes

Trade was a nightmare.

It wasn’t until the formation of Wayfarer Crown’s Trade Authority that a universal credit was proposed: a currency backed by distributed servers embedded throughout the Reach, resistant to tampering and not controlled by a single faction.

The Spurs system was born, starting as frontier mining pay-chits before evolving into the Reach’s default economic backbone.


III. How Spurs Work

Spurs function on a dual-layered system:

1. Digital Spurs (D-Spurs)

The most widely used form. Stored on:

  • pilot IDs

  • vendor slates

  • mech cockpit consoles

  • personal comm-tabs

  • Cartel-grade encrypted “ghost wallets”

D-Spurs are:

  • transfer-safe

  • trackable

  • secure against duplication

  • recognized across all major factions

2. Physical Spurs (Hard Spurs)

Used in frontier settlements, salvage towns, Cartel dens, or places where digital stability is unreliable.

Hard Spurs take the form of:

  • stamped alloy disks

  • hexagonal polymer chips

  • reinforced cred-bars with reactive inks

They cannot be digitally stolen and always carry value in black markets.


IV. Spur Denominations

Spurs scale upward in simple tiers:

  • 1 Spur — basic food item, ammo rounds, toolkit parts

  • 10 Spurs — routine repairs, lodging, cheap weapons

  • 100 Spurs — full mech tune-ups, armor refits, flight tickets

  • 500 Spurs — high-grade mods, black market goods

  • 1,000 Spurs — mech weapons, reactor components, Guild contracts

  • 10,000+ Spurs — heavyframe purchases, illicit Cartel gear, Constellation bribes

The Reach is a place where a single Spur can keep someone alive —
and a thousand Spurs can change the course of a settlement.


V. Spurs & Factions

• Credence Provisional Government

Accepts Spurs for everything: fuel, housing, trade fees.
Uses Spurs to maintain civilian stability.

• Freecrews

Spurs are trusted… so long as they’re backed by a reputable issuer.
Crews often carry hybrid wallets of both Spurs and bartered materials.

• Void Cartels

Use Spurs openly but encrypt every transaction.
They also mint their own “shadow spurs” — illicit but interchangeable in Cartel territory.

• Corporate Constellations

Despise relying on a universal currency but do so anyway because it’s profitable.
Offer bonuses in “Constellation Credit Bonds”—only redeemable in corporate stores.

• Marshals Authority

Strict Spur oversight.
Confiscated funds from criminal activity often get funneled back into community infrastructure.

• Mercenaries Guild

Spurs are the lifeblood of the Guild.
All contracts use Spur denominations, from small courier jobs to Redline hazard work.


VI. Frontier Spur Culture

In the dusty corners of the Reach, Spurs aren’t just money—they’re identity.

Frontier sayings include:

  • “A man’s worth ain’t in Spurs, but Spurs sure help.”

  • “Spend fast, earn fast, die slow.”

  • “Two things don’t lie: the barrel and the balance sheet.”

Bars, vendors, and scrapyards often keep:

  • a digital vault

  • a physical lockbox

  • and a “no questions asked” fund for desperate pilots

Scraphaven, in particular, values Spurs as both survival tokens and social currency.


VII. Spurs in Mech Warfare

Mech pilots live and die by their Spur reserves:

  • repair fees

  • ammunition resupply

  • module swaps

  • fuel and coolant

  • emergency retrieval drones

  • black box insurance payouts

A pilot with no Spurs is a pilot with:

  • no armor

  • no upgrades

  • and no way out of a battlefield

The Contract Wall directly feeds this economy—Scraphaven thrives on the constant churn of Spurs in and out.


VIII. Shadow Spurs (Black Spurs)

The Void Cartels maintain an underground Spur system:

Black Spurs are:

  • off-ledger

  • untraceable

  • encrypted with shifting biometrics

  • impossible to counterfeit (for long)

They’re used for:

  • illegal mech mods

  • Rift-adjacent experimentation

  • deniable operations

  • Cartel broker dealings

Possession isn’t illegal…
but Marshals treat them like an admission of guilt.


IX. Why the System Endures

Spurs survive because:

  • no single faction controls them

  • everyone benefits from convenience

  • counterfeiting is nearly impossible

  • the Reach depends on neutrality in trade

  • frontier societies rely on efficiency, not ideology

In a fractured sector held together by welds, duct tape, and stubbornness, Spurs are the closest thing the Reach has to universal trust.


X. Player-Facing Mechanics & Flavor

Spurs represent:

  • reward scalability

  • faction interaction

  • survival resource management

  • mech progression budgeting

They are the perfect frontier credit:
simple, tough, universal, and always in short supply.