Quantum entanglement between accounts and local bank branches, cash only for most non bank based transactions
Ayden Fisher
The same way actual USD worked before telegraph. Really fucking badly, and backed by the threat of asswhoop by the US Army. States, towns, and companies tried to set up their own stuff sometimes. They'd offer tickets and vouchers at their own stores that were only good there. They would be instructed to stop doing that because it inhibits interstate commerce, or have the army come in and occupy the place and seize assets until they did. If you want your currency to work well and have stable value, you need fast information travel and a stable government or trade agency with authority and trust everywhere the currency is used. If not, have a roving army occasionally roll in to fuck up a bank or trading post. Works well in settings with >muh evil empire.
Brody Johnson
How many goods can justify a cargo delivery that would take 25, 50, 150, 1000 years years to arrive to your system and the gargantuan energy needs that takes for a ship to reach these speeds? Why not just mine or manufacture what you need within your own system? Bits of data, research, blueprints, and entertainment are the only realistic thing you would ever trade between systems.