A method of paying for a product is traded from a seller to a buyer, wherein a bill of exchange is issued by the seller and accepted by the buyer. The bill of exchange can be payable at a certain future date to the order of the seller at a first financial institution and drawn on the buyer at a second financial institution and becomes a negotiable instrument at the certain future date without reference to the transaction. The method can include: originating the bill of exchange from an originator who is not the seller; signing of the bill of exchange by the buyer then the seller and the seller then issuing of the bill of exchange. The method can also include negotiating the bill of exchange after issuance and on or after the certain future date to effect payment. The bill of exchange can be issued and accepted before a triggering event.