How would a cooperative economy get rid of capital accumulation?

One of the main failures of 20th century socialism was that they never got rid of capital(i.e wealth that grows out of the process of circulation itself). Because commodity production still persisted, that Money-Commodity-Money cycle that creates capital was allowed to happen, it was just that the capital accumulation was now directed by the state. Would a cooperative economy not merely run into the same issue, capital accumulation would be directed by cooperatives instead of created a world where capital no longer exists.

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