Credits

Each venue names its own ticker. Quote in band and the listing mints that credit. Redeem on Makerbook at the Factory USDC rate.

Field	Meaning
Ticker	Venue-chosen. Harbour uses HBR.
USDC per credit	Factory field. Redeem uses this rate.
Min amount	Bag must clear this before convert.
Cliff hours	Wait after earn before redeem.

note

Credits are the venue’s ticker, not a protocol token you shop around. Conversion includes 10 bps.