The History of Money 2025 by David McWilliams explores how money evolved from ancient barter systems to today’s algorithm-driven digital currencies. McWilliams argues that money has always reflected power, trust, and collective belief, and he highlights the turning points—from gold coins to paper notes to banking networks—that reshaped global economies. He emphasizes that every major transformation in money has coincided with political upheaval, technological breakthroughs, or shifts in social organization, showing how financial change and human behavior are inseparable.

In the book, David McWilliams also explains how the 21st century marks the most radical shift yet, driven by cryptocurrencies, artificial intelligence, and decentralized finance. He predicts that nations and institutions that fail to adapt will lose influence, while new digital actors will gain unprecedented economic power. By linking historical patterns with modern financial disruption, McWilliams provides a clear roadmap for understanding the future of money and its impact on global stability, personal wealth, and economic freedom.¹.