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Understanding the history of money opens the door to a deeper appreciation of digital assets and commodity-backed digital currencies. The primary form of currency in today’s financial system, Fiat money, does not have use-value. Use-Value or value in use is a concept from classical political economy; it refers to the tangible features of a commodity or, more specifically, the features that fulfill human needs. A shell economy led to the use of metal money around 1000 B.C. when the Chinese formed metal into small shapes resembling cowry shells.