Billion chips (or B-Chips) are credit chips that are cast to the amount of one billion credits but cannot be spent like traditional credits. Instead once cast they act as a separate currency granting access to special areas of the galaxy such as raid areas.
The chips are granted in three distinct ways automatically:
Once you reach two billion credits, a B-Chip is created for the credit cost of one billion credits.
When a skill reaches level 100 for the first time, a B-Chip is issued.
Special faction research can also issue B-Chips using the treasury credit amount.
If you have the unfortunate event of dying in any manner, a B-Chip is deducted from your total automatically.