Final answer:
An instrument is negotiable within UCC 3 if it meets specific criteria such as being in writing, containing an unconditional promise to pay, and being payable to order or to bearer.
Step-by-step explanation:
In the context of the Uniform Commercial Code (UCC) Article 3, an instrument is considered negotiable if it meets certain requirements. To be negotiable, an instrument must be in writing and signed by the person promising to pay. It must contain an unconditional promise or order to pay a fixed amount of money, be payable on demand or at a definite time, and not require any additional undertaking or instruction. Additionally, the instrument must be payable to order or to bearer.