Human money is divided into two categories, credit money and non-credit money. In order to evaluate the merits of non-credit money, we assume that the ideal non-credit money is 10 points, then the animal bones, shells and other currencies are 1 points, gold and silver are 4 points, and btc is 9.9 points. And it can be said that there will never be a non-credit currency with a score greater than 9.9 points.