It is often stated by Federation citizens that “We don’t use (or carry) money.” This is a misleading statement. All economies require the flow of some form of monetary exchange to function. What these individuals really mean is that they do not carry cash; physical tokens of value, whether coin or printed notes. Rather, the Federation at large uses an electronic credit transfer, usually quite invisible in use to both customer and merchant. This concept dates back to mid-late 20th century Earth credit and debit cards. The Ferengi are unusual in that even with a unified world and interstellar travel, they still have 49 different units of exchange, although most real business (and virtually all business with non-Ferengi) is conducted using Latinum.
Latinum for us is two companies. Latinum Technology Limitedand Latinum Holdings Limited