What on earth are you talking about? IPFS has nothing to do with "coins", it's a distributed data management system. You can use IPFS for finance in the same way you can use a database for finance. You can also use IPFS for literally anything else that falls in the "data that you want other people to be able to access" category.
Yeah we've kind of been using the block chain since the end of the 15th century. Something using public "double" book keeping to ensure data integrity across a network (digital or otherwise) doesn't magically make that data a currency just because some Japanese guy's pet project became too popular for its own good =)
