This paper develops a theoretical framework for purpose-bound monetary systems in which liquidity is programmable, recursively routable, and partially non-fungible. The paper argues that persistent inequality and welfare instability arise not only from distributive failures, but from the recursive dynamics of unrestricted fungible liquidity itself. To address this problem, the study introduces a recursive segmented monetary architecture integrating mechanism design, stochastic control, network dynamics, constitutional monetary governance, and programmable CBDC infrastructure. The framework establishes conditions for recursive equilibrium, bounded capability dynamics, and long-run stabilization, while computational simulations suggest that segmented liquidity systems may reduce recursive inequality amplification and improve welfare resilience under systemic shocks. More broadly, the paper proposes a shift from passive monetary exchange systems toward adaptive coordination architectures designed to preserve long-run human capability continuity.