diff --git a/TOOLS.md b/TOOLS.md
index 584360d..0739c6a 100644
--- a/TOOLS.md
+++ b/TOOLS.md
@@ -239,7 +239,7 @@ stonks check-limits                # Check & execute triggered limits
 stonks history                     # Trade history
 ```
 
-- Credentials: `.credentials/finnhub.env`
+- Credentials: `.credentials/services.env` (global env file — ALL new credentials go here, never create separate env files)
 - Portfolio data: `memory/portfolio.json`
 - Virtual starting capital: €1,000
 - **N26 constraint:** Only trade instruments available on N26 (check with user)