The Theory Of Transformation Of Money is a new theory about money changes from time to time, following the human need for money and technological developments. This book discusses the theory of money transformation and the development of money transformation from time to time, from 9000 BC to 2020. The Theory Of Transformation Of Moneyalways follows a shift in the value of money itself, bargaining power, and decisions about money in front of people or users. This book discusses this in 4 stages of discussion, namely1. the history of money2. Human Life, Technology, Trade, and Money Transformation3. The Covid-19 Pandemic And The Acceleration of Money Transformation4.Shifting Value and Transformation of Money