What is Money Made of?

In the United States, paper money is made from a distinctive cotton-linen blend, unlike the wood-based paper found in books or newspapers. This specialized composition is central to what money is made of and contributes to the strength, longevity, and tactile distinctiveness that U.S. currency is known for.  

This fabric blend also supports a variety of advanced anti-counterfeiting technologies. Every element is integrated into the substrate, from color-shifting inks to embedded threads and synthetic security fibers such as rayon or nylon.   

Composition of U.S. Paper Money  

Modern U.S. currency notes are made from a blend of 75% cotton and 25% linen. This textile-based paper gives American currency its distinct feel and resilience. Its production process yields a product that resists tearing, folding, and general wear. The unique texture is so recognizable that professionals who handle currency daily can often detect counterfeits by feel alone.  

The paper includes tiny red and blue synthetic fibers embedded throughout the substrate. These features are woven in, making reproduction extremely difficult. U.S. notes include a security thread and watermark, both added during the papermaking process.   

How Much Do U.S. Currency Notes Weigh?

No matter the denomination, each bill weighs approximately one gram, meaning that there are 454 notes in a pound of currency. The material is so strong that it takes about 4,000 double folds, forward and backward, to tear a note. This resilience makes paper money suitable for long-term circulation. And if you are curious, a stack of bills one mile high would contain over 14.5 million notes.  

Security Features & Anti-Counterfeiting Tech  

To further protect against counterfeiting, U.S. currency incorporates a range of complex security features. Color-shifting ink changes hue based on the viewing angle, while watermarks and UV-reactive threads offer another layer of visual authentication. Microprinting adds fine text only visible under magnification, while raised intaglio printing gives the notes a distinct texture.  

The $100 bill includes a 3D security ribbon that appears to move when tilted, a feature unique to that denomination. Future enhancements under consideration include holographic overlays and multi-layered substrates, as counterfeiting helps shape U.S. currency. Research initiatives are investigating the next wave of anti-counterfeiting technologies, which enable law enforcement and financial institutions to identify fake notes quickly and reliably.  

The Evolution of Paper Currency  

Paper money dates back to the Tang Dynasty in China when merchants and governments first issued promissory notes to reduce the burden of carrying metal coins. Later, Europe adopted paper money, with Sweden introducing banknotes in the 17th century. In the United States, the Legal Tender Act of 1862 marked the federal government’s first official foray into issuing paper currency.  

Global Materials, Policies & Practices  

Countries such as Canada, Australia, and the UK have transitioned to polymer banknotes, which are plastic-based and offer improved longevity, water resistance, and recyclability. These notes can last two to three times longer than their cotton-linen counterparts, making them more sustainable and cost-effective in the long run.   

Accessibility has also become a design priority. Raised ink, varied note sizes, and high-contrast numerals assist those with visual impairments. Canada and Australia have implemented tactile markers, and digital extensions like voice-enabled wallet apps help make financial transactions more inclusive.  

The Role of Physical Money in a Digital World  

Despite the rise of digital alternatives such as central bank digital currencies (CBDCs), cryptocurrencies, and mobile wallets, physical currency retains critical value. Cash ensures financial inclusion for individuals who remain unbanked or underbanked, particularly in developing regions or rural communities.  

It also offers privacy and is a dependable medium during technological disruptions or power outages. As governments explore new forms of digital money, maintaining a robust cash infrastructure remains essential for economic resilience and universal accessibility.  

Legislation Behind the Dollar  

The U.S. monetary system was formally established with the Coinage Act of 1792. Further consolidation came with the Federal Reserve Act of 1913, which created the central banking system still in place today. The Gold Reserve Act of 1934 facilitated the transition from commodity-backed to fiat currency.  

Globally, similar shifts occurred. The UK’s Bank Charter Act of 1844 centralized note issuance under the Bank of England, while Canada’s Bank of Canada Act of 1934 brought state oversight to currency management. These legislative milestones continue to guide monetary policy and safeguard the integrity of national currencies.  

Paper money may change in composition and design, but it continues to play a vital role in commerce. As cash systems evolve, they incorporate advanced materials, more robust security elements, and broader accessibility features. U.S. currency exemplifies this adaptability, maintaining its relevance while integrating innovations that meet modern demands. Its evolution reflects durability and trust, as well as an ongoing commitment to meet the changing needs of global economies.   

Quick Guides to Investing

Step 1:

Why Buy Physical Gold and Silver?

If you are concerned about the volatility of the stock market, you’re not alone. The extreme highs and lows of the stock market often lead investors towards safe-haven assets, like bullion. Historically, the Precious Metals market has an inverse relationship with the stock market, meaning that when stocks are up, bullion is down and vice versa.

Step 2:

How Much Gold and Silver Should You Have?

This question is one of the most important for investors to answer. After all, experts suggest limits on how much of any types of investments should go into a portfolio. After deciding to purchase and own Precious Metals and considering how much money to allocate, one can then think about how much and what to buy at any point in time.

Step 3:

Which Precious Metals Should I Buy?

With the frequent changes in the market and countless Precious Metal products available, choosing investments can be difficult. Some want Gold or Silver coins, rounds or bars while others want products that are valuable because of their design, mintage or other collectible qualities. Also, collectors may shop for unique sets and individual pieces for their collections.

Step 4:

When to Buy Gold & Silver

After considering why, how much, and what Precious Metals products to buy, an investor’s next step is when to buy them. This decision requires an understanding of market trends and the impact of economic factors on precious metal prices.

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