By default, when a user gains points, these points are created out of thin air. Equally, when a user losses points, these points are simply deleted. As the name suggests, the central banking service introduces a central source where points are taken from when we give someone points, and where points are deposited when we take points.
This of course means that if the “central bank” runs out of points, then no more points are given to users until points are either deposited back to the central account or if you add points manually to the account.
This works by you nominating a particular user account on your website to act as the “central bank”. You then add points to this account to get started. Finally you will need to tell myCRED which user account this is and the plugin does the rest.