> For the complete documentation index, see [llms.txt](https://aero-wong.gitbook.io/cashless-product-management-to-crossborder-payment/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://aero-wong.gitbook.io/cashless-product-management-to-crossborder-payment/what-makes-money-money/conculsion.md).

# Conculsion

Money is how we transfer wealth. Money is social credits; it’s the ability to have credits and debits of other people’s time.

If I do my job right and create value for society, society says, “Oh, thank you. We owe you something in the future for the work that you did. Here’s a little IOU. Let’s call that money.”

That money gets debased because people steal the IOUs; the government prints extra IOUs; and people renege on their IOUs. But money tries to be a reliable IOU from society that you are owed something for something you did in the past.

We transfer these IOUs around; **money is how we transfer wealth**.