Answer:
Traveler's check.
Step-by-step explanation:
The travel check can be exchanged for cash or accepted as a means of payment. That way, transactions are facilitated when the user does not have the currency accepted in the country they are visiting. It also serves those who prefer had money without the risk of carrying a wad of bills in the wallet.
It is personal, the carrier's signature is stamped on the traveler's check to protect the carrier in case of loss or theft.