That seems like a non-feasible end-goal. If we assume there's any meaningful input involved with the creation of money (mining equipment or graphics cards), then centralization will happen around having the most of the input and securing that, which naturally implies a monopoly on force, which implies a state.

If you allow for fiat money, then almost definitionally, there's a state that everybody agrees is empowered to create the money or else, why would they continue to ensure the value of money?