Let's Make Better Rpg Currencies

“Credits”, which is gold IN SPAAAACE. The thing is, if you’re running a merchant campaign, currencies, jurisdictions, red tape, bribery, and smuggling can be fun. Otherwise maybe don’t even bother with money, the quest to findwhat you’re looking for is much more fun.

I'm afraid I don't remember the name of the system or else I'd link the rules, but I do remember playing a game where I really liked what they did with inventory and currency.

Basically, the game divorced the rules from the settings' currency entirely. So if you're into homebrew, that means it works equally well with gold, credit chips, reputation, bottle caps, and seashells

When you defeated a monster, finished a quest, or found hidden treasure, you would acquire LOOT. Get ten LOOT and you level up at the end of the adventure.

Instead of writing down and purchasing all of your basic equipment, you would have a certain number of GEAR points. If you found you were in a situation where you needed some item, you could mark off one of your GEAR to retroactively have brought that item with you.

I liked it because it sped up play and was super newbie friendly. You no longer run into a situation where a career adventurer plum forgot to buy torches before spelunking. It also meant you didn't have to roll a check for each item in the dragon's hoard to see if you could afford to feed your hirelings.

If that system sounds familiar to anyone, please let me know. I wouldn't mind taking it for a spin again

https://troypress.com/wealth-systems-in-rpgs/

I can think of a couple systems that don't use gold (or any other straight currency) :

The One Ring uses treasures as a measure of wealth, which above set amounts grows and gives you access to more. It's not about spending your treasures, you're not buying goods for currency (most of the time), instead you can afford stuff depending on your level of wealth.

Warhammer Rogue Trader (40k) while not a ttrpg still offers an interesting alternative. Since you're extremely wealthy, earning and spending currency wouldn't make much sense on a small scale, so instead you gain reputation with various factions by trading with them, which in turn gives you access to items you can grab freely.

The idea is the same, rather than using currency you have a measure of what you have access to. It can evolve up or down, varying what you can get over time, without the hassle of book keeping (or verty little of it).

Eclipse phase has a pretty cool reputation economy. You don't use money but network and reputation to get things (mostly info and access to fablab, it's a post abundance economic)

Letters of Credit can lead to side quest.

The opportunity for shenanigans is rife with something akin to Rai Stones

In Numenera any novice 'wizard' can turn lead to gold just by asking nanobots nicely. So currencies are 'shins' (short for shiny I imagine) that are little bits and bobs that are tedious to collect and somewhat unique, instead of 'precious' material. Ex: small shells, keyboard keys, stamped stone coins, colorful plastic shards, etc.

The best currency is obviously tally sticks.

I joke - I haven't used this in a game. It is interesting, though. From what I understand of history, the vast majority of people used a gift economy, barter, and what was essentially a credit system to get what they needed. The idea of the adventurers 'buying' their equipment on credit by owing the blacksmith a portion of loot later does raise some ideas.

Also tally sticks are where we get the phrase 'stock holder'; the one who loaned the goods kept the larger end of the split tally, which was called the stock.