In the fallout of the greater depression, the world has shifted to a singular, credit-based currency: the cred. Cred comes in two forms, based upon how it is transferred. If transferred via virtual means, it is refferred to as Ecred. Otherwise it is just 'cred.' The older forms of currency and coin money are still used outside of metropolitan areas. In many rural townships cred is actually refused as legal tender (though refusal is, by law, illegal).
Cred is stored and transferred logically. The means by which transactions take place outside virtuality is via a credstic or Omnicom.
The credstic is a singular device with the sole purpose of transferring funds from a cred account into another cred account. It is comprised of a scrollwheel, a few buttons, a small monitor, and an infrared interface. Optional security features include voice recognition, thumbprint, pin-key, or any combination of the three. Transactions are initiated by completeing all security measures, selecting an amount of cred to be transferred, moving the IR interface to be in close proximity of the recipient's transfer interface, and then confirming the recipient. The transitory connection between two cred interfaces is heavily encrypted and protected against evesdroppers.
Credstics are small enough to serve as keychains. They also break quite easily and are often referred to as credstuck, crudstic, slapstic, or crapstic. In extreme circumstances, one might even hear "craptastic."
The Omnicom is everything. Set it down near a public terminal and it logs you in, authenticates, scans the terminal for vulnerabilities, and even acts as a wireless mouse interface. It can also transfer cred like a credstic. It is a phone, a clock, a computer, a media player, a camera. It can be used to tell anything with the proper interface that the owner bearing it has a right to access. Security systems, house alarms, door locks... A skilled hacker can do amazing things with an Omnicom, like bridging two wireless networks together, creating a rogue access point for a secure network, or altering credentials to make it transfer cred from someone else's account.
It is diminutively referred to as just 'omni.'