What do you mean by creating in the first place? If it's literally just that, then afaik you can. Just a knowhow of how to code or hire a dev who knows and you should be able to technically create one. If you want to introduce it to investors though, even if the use case isn't something directly related to money, you'd still need capital since just the marketing for it would require a lot of man power which you can't exactly do by yourself since it'd take way too slow. There's probably a lot of other stuff that I don't know that goes on, but those probably require capital as well so yea, without one your project wouldn't really go far (or anywhere really).