This feature will be explained and documented later in the wiki. Donught freak out! The site is still free. These credits can be purchased to buy classes offered by teachers on the site, or products in our market kind of like patreon, but easier and way less complicated. If you want to be a teacher and lead a private class in a group here, or offer course material, or sell an item, email me by clicking here and I will be happy to help guide you through the setup. It's easier than you'd expect.