SkyReader and tools like SkyTool automatically decrypt the bin file in RAM, allow you to edit the variables (Level, Money, Hat ID), and then re-encrypt the data for the target UID. You cannot just "copy/paste" a raw bin file to a different chip.
It is important to remember that downloading bin files for characters you do not own is generally considered piracy. However, backing up (dumping) your own figures for personal use is considered "fair use" by many in the community. Always ensure your usage complies with local laws regarding digital backups. Conclusion Skylanders Bin Files
