Floor credits are how the floor reaches people. Every person receives them every month, like a pension that starts at birth, and spends them wherever they make life affordable. No office assigns anyone a home, so support never becomes management.
Credits are money, with three protections. They cannot be taken: never seized, never made conditional, never reduced by what a person earns. They cannot be signed away: no one can sell or pledge them, so no lender can buy someone’s next five years. And they follow the person: their housing and mobility parts are indexed coarsely by region, and they move when the person moves.
Each adult receives the single-adult rate whoever they live with, so living together carries no penalty and leaving a bad relationship stays affordable. Each child has their own credit, paid to whoever raises them.
Why these protections matter, and how a basic income without them leaks away, is in a payment is not a floor.