Not a naive question at all Tim! This is a step-by-step guide for anyone:
Step 1 – Login at: https://atlas.ripe.net/my/
Step 2 – Select "credits" under the "My Atlas" dropdown menu on the left.
Step 3 – Select the "Transfer" option at the top of the table, or simply head to this link: https://atlas.ripe.net/user/credits/#!transfer
Step 4 – Fill out the amount and recipient, and that's it.
You can also create a "Standing Order," which will transfer a specified amount of credits to someone's account at regular intervals
-Michael