I mean, the earliest known currency is almost exactly as old as the earliest known cities. Farmers would deposit a large amount of grain at the local temple (which were effectively the tax collection sites of the time) and were given clay tokens on exchange, which could be used in place of actual goods at tax time.

This system was set up because of the nature of farming: you make a lot of product in a short time, but most of the year you’re just waiting for your crop to grow. These tokens allowed farmers to pay their tax duties up front, and then have physical proof that they’d done so when paying taxes outside of harvest season. But it was only a matter of time before people started trading those tokens amongst each other. “Give me a goat and I’ll give you these tokens so you don’t have to pay tribute next season.”

Before that, villages were pretty much just hand-to mouth communities of just a few families. Surviving, sure, but not in the kind of complex society where one needs to draw equivalence between extremely different forms of labor.