货币，称钱财，是人们为提高交易效益，对一种媒介达成的共识。货币形式有贝壳粮食石头等自然物、金属纸张等加工品、银行卡信用卡等磁条卡、以及加密数字货币等。其本质是信用。信用也可以理解为共同相信，一种共识，也可理解为大家一致达成的协议，即我们都同意认可某种东西为交易媒介。共识和协议是货币的基础。这种共识可以是自然形成的也可以是法律规定的，法律在一定意义上也是人们的共识
Currency , also called money is a consensus about a medium, reached by people in order to increase the efficiency of transactions. Currency forms include shellfish, grain and other natural objects, processed products such as metal paper, magnetic stripe cards such as bank card credit cards, and encrypted digital currency. Its essence is credit. Credit can also be understood as a common belief that a consensus can also be understood as a consensus agreement that we all agree to recognize something as a transaction medium. Consensus and agreement are the basis of money. This kind of consensus can be either naturally formed or stipulated by law. Law is also a consensus of people in a certain sense.