It is human all right. Some animals can run faster, see better, navigate in the dark, navigate using earth magnetism, some can fly etc. Some animals organize in herds. Some animals create tools and use them. Some animals can learn. But no animal that I know of engage in trade. Exchange some item of value for another with a stranger, both parties being better off.

The value is assigned to something by each human. It is real. Imagine finding yourself in a strange country, where the locals look at you with suspicion and are ready to scare you away, you are hungry and freezing. Having some value in the form of money will make a very real difference.