credentials_id is a hash created based on:
- Client_id;
- Other bank and account information.
This means that a credentials_id will be unique for the user access as long as none of their login details changes.
They look like the below and can be found when decoding the JWT access token:
6L7RxyPKX0THy1tw93PB4V+8DB+KjnX9Pxa451yXPu0