This is true of deposits, bonds, stocks, futures, options, funds, trusts and complex financial derivatives.
For example, deposit means that the bank obtains the right to use the funds within your deposit period according to your deposit period, thus paying you interest. The same is true for bonds. The state or enterprise has the right to control your money and promises to repay it in the future and pay a certain interest. Stocks and listed companies raise funds in order to obtain the right to use funds in the hands of stock buyers. Although they don't promise to give you a predetermined return in the future, if the company grows stronger in the future, they can get the share premium and dividend rights they can enjoy.
Futures and options are similar, but more complicated, because they can operate in both long and short directions to hedge risks. For example, investors holding spot warehouse receipts short goods, but only transfer the right to use funds to lock in prices and avoid risks. On the surface, the option is to transfer a certain income to lock in the upper limit of risk, but in fact, the seller of the option needs to hedge his position with his own funds, and fundamentally needs to transfer the right to use funds to avoid the risk of the product.
As for funds and trusts, don't say that the funds raised by them are also lured by high returns to obtain the right to use customers' funds. Even the projects they invest in are inseparable from this essence, because their investment direction is nothing more than various financial assets and corporate equity claims. These investment products are inseparable from the essence of finance.
Financial derivatives are nothing more than resorting to the packaging combination of various assets, and then various guarantees are dispersed and hedged.
Therefore, financial transactions are only the transfer of the right to use monetary funds.