Currently, the financial system is, in one way or another, a primary tool of power and an attribute of the state. Reconism implies the development of management systems based on mass cooperation. Therefore, when it comes to monetary circulation, the monetary system itself should be decentralized and represent a kind of peer-to-peer network, where each participant is both a client and a provider of the monetary system. In fact, we are talking about cryptocurrencies.
As for the other parts of the financial system, there are already some good examples:
In any case, a method is already being implemented where Every member of society can become a money emitter in terms of rights and claims. , having a sufficient amount of self-trust. Money is actually issued by everyone: discount coupons, vouchers, bonus cards, receipts, contracts for supply and service execution. In fact, any transactions where there is a gap between the moment of payment and delivery, and such transactions make up 99% of all.