Bees trade effort for nectar access, ants divvy up labor for food and shelter, even crows barter shiny trinkets with each other
‘Money’ is a label we give to a concept that can be seen across different species. Essentially if following the natural path of progression, it is a tool used to exchange value to satisfy the wants and needs relative to that species.
The more complex the species, the greater the potential to scale that system of exchange that naturally emerges from peer to peer interaction.