Having no (or very little) money; penniless(adjective)
That does not use money as a means of exchange(adjective)
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Use "moneyless" in a sentence
"We keep the word and often use it as in "pecuniary" affairs, and when we call a moneyless man, "impecunious.""
"In the trenches it is laughingly referred now to as, 'moneyless merit pay.'"
"And, communism is a social, political and economic ideology that aims at the establishment of a classless, moneyless, stateless and revolutionary socialist society structured upon common ownership of the means of production."