This paper presents the Africonomics Theory of Exchange, Credit, and Money, offering a principled alternative to utilitarian, mechanistic, and state-centric models dominant in contemporary monetary theory. Contrary to statist claims—such as those advanced by chartalism and its offshoots—which frame money as a state creation, Africonomics demonstrates that money is not a state invention but an organic social institution that originates in human enterprise, voluntary exchange, and the natural-moral law of justice. Money emerges as society’s economic yardstick, an instrument of account that transforms subjective preferences into objective, quantifiable information essential for calculation, coordination, and prosperity. Credit is an intertemporal extension of exchange rooted in trust, collateral, and accountability—not in the inflationary fraud of fiat and fractional-reserve systems. Money becomes corrupted when monopolized and manipulated by states, transforming a tool of cooperation into an instrument of coercion, dispossession, and systemic instability. Grounded in a principled and human-centered approach, Africonomics reframes exchange, credit, and money as natural-moral institutions essential to civilized socioeconomic order.