The basic concept of money is commonly known and same as we know has happened from the simple exchange, documented at least from the Neolithic up to this date, where goods and services are exchanged. Today the concept of money is wider and deep, and the best closeness to a definition of it mother concept, is a social agreement accepted by the communities of individuals for the self-regulation of its market. What in other words results in a document value of general acceptance for the commerce. That said, as it is understandable, there could not be regulated the commercial relations for the simple generalized participation. There enter the State institutions so by representation they regulate its use and y valor, as well as the relation with other communities or states. At the beginning such relations were regulated by the communities that nowadays are states, and gave exchangeable value to their assets with other communities and defined the intrinsic value with assets coming from different communities. The current concept of money or exchange money comes related to the value of work and the contribution to the individual to the society and its retribution for its effort, what seems complex is so basic as the concept of the salary, that might be understood, as the portion of the asset received in exchange of the work to obtain it, in common terms this results very simple but in practice the individual could not survive only with the portion of the asset worked, must be exchanged for other assets. This is why an intrinsic value is especially important in the social development.
The simplest vision is to create a community of users and diffusers of the knowledge in the area, with the support of the technological applications for the trustful exchange of goods and services. The reduction of costs is the key factor in the exchange operation. Today the banks through their physical, virtual and electronic tools involve a direct cost to the user of over 2%, together with the requisites of membership and limitations in the rendering of the service that only the consumption of time could cost hours of work at an undetermined cost.
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