Schumpeter's theory on credit and money challenges traditional views by emphasizing the role of money as capital for starting new production processes. His focus on the integration of monetary and real aspects of the economy sets him apart from other theorists. By exploring credit functions in the cyclical evolution of the economic system, Schumpeter develops the credit theory of money, which differs from the monetary theory of credit. This unique perspective forms the core of his work and sheds light on the essential role of credit in economic cycles.