This liquidity needs vary considerably – hence the diversity of contractual and financial markets to trade. When the four functions are served by a single instrument, this thing called money, which must not be traded on financial markets since the risk of losing the value of the uniform in any society. Where there is no single form of money was agreed to have a premium value, and barter is undesirable, less liquid and more diversified instruments were used for four functions. This article focuses primarily on financial instruments that are not equally affected by inflation and the real money is not guaranteed by the state.