Alternative currencies involve private monies: complementary currencies, which coexist with national currencies, and cryptocurrencies, which are out of control of central banks, having induced plans for central bank digital currencies. Complementary currencies often have a social dimension and have an established history as moral monies contributing to community development, while cryptocurrencies may do so globally, using blockchain technology. In order to function as moral monies, the latter require standard-based stewardship, whose standards are based on virtues, shaped by the cultural and religious heritage of a society. Market economies rely on market virtues for human flourishing that have their foundation in reciprocity and mutual benefit. This paper analyzes the evolution of complementary currencies and cryptocurrencies as private monies, for a humane economy in a Pan-European context of cultural and religious diversity, where the choice of standard-based stewardship rather than preference-based regulation of the blockchain technology has a cultural foundation. Coudenhove-Kalergi’s interwar Pan-European vision, including co-evolution of ethics and technology, is combined with Röpke’s postwar notion of humane economy, reflecting a shared European cultural and religious heritage, which is Hellenistic and Judeo-Christian, given the Pan-European vision as the roots of the European Union. Standard-based stewardship of complementary currencies and cryptocurrencies is compared to preference-based regulation of central bank digital currencies, targeting total spending, nominal gross domestic product.