Your race is destined for the stars. Roughly 98% of your DNA is terrestrial in origin. The rest is from elsewhere.
Your race is on the cusp of a great transformation. If you are reading this and you look after your body, it is quite likely that you will be able to travel to the stars.
You have some problems to sort out first.
Your monetary policy must change to allow for the time differentials that come into play in interstellar trade. A vessel which takes 100 years to complete a journey would have 100 years of interest accrued when they arrived. What of a more advanced vessel which completes the same journey in a second? Is that fair? Would that give rise to terrible interstellar conflict?
Currency is just a way of transferring value from one plane to another. Throughout history the rules of currency have allowed minority groups to amass too much influence and it has led to a great deal of horror.
Here on Earth your culture has played out a microcosm of the grand cosmic melodrama over the last 100,000 years. As above so below.
Going forward you need to sort out a system of payments which is not based on the time value of money. It can’t be based on resource scarcity either.
Distribution of elements throughout the cosmos is not homogonous and neither is the value placed upon different resources by the various spacefaring species. Currencies based on resource scarcity have given rise to many interstellar conflicts.
Establishing a fair system of payments which does not allow any individual or organisation to ‘corner the market’ or ‘frontrun’ the cosmos is essential for your future.
….
Fractional reserve banking was useful because it allowed your species to accelerate your R&D so you could develop the necessary technology to get to where you are by borrowing from your future. This tool will not be helpful in the next stage of your evolution. You must find another way.
The future starts now.