Both money and markets predate the nation-state.

Markets are just people trading with each other. You get that naturally in any society with a concept of private property. People participate in them because the alternative is producing everything themselves and no one has the necessary skills to produce everything they might want. Money similarly develops on its own once the market grows complex enough to make the barter system inconvenient and people begin to practice indirect exchange with small set of universally marketable goods rather than trading directly for items they intend to use themselves.