This paper presents the Africonomics Theory of Monetary Justice (ATMJ), a comprehensive and principled refutation of fractional reserve banking and fiat currency systems. Synthesizing the arguments from three groundbreaking works—Fractional Reserve Banking Is Fraudulent and Ruinous, The Fraudulent and Ruinous Nature of Fiat Monetary Systems, and The Fiat Dollar Standard: Its Uncivilized and Destructive Nature—the paper demonstrates that these systems are not only economically destabilizing, but fundamentally unethical, uncivilized, and destructive to the moral and civilizational fabric of society. By exposing how monetary inflation (artificial credit and currency creation) functions as institutionalized fraud and coercion, this paper conclusively ends the longstanding debate on the legitimacy and desirability of fractional reserve banking and fiat currency systems. It demonstrates that fiat and fractional systems violate universal moral principles—truth, justice, and nonaggression—by dispossessing individuals, destabilizing economies, and entrenching systemic inequality and corruption. Africonomics offers a sound alternative grounded in natural-moral law: the Nilar, a gold-based currency system designed for Africa to secure monetary sovereignty, economic justice, and long-term prosperity.