What does the cryptic crossword clue "Those exchanged for chips, one swiped by gulls (5)" mean?

The wordplay uses a container (one word inside another). I (synonym="one") in CONS (synonym="“gulls”") = COINS The answer is COINS.

Those exchanged for chips, one swiped by gulls (5)

Guardian Cryptic #29538 | 9 Across | 2024-11-12 flower