As we know, it is no longer possible to exchange the money certificate issued by the state for real money (or real gold etc.).
It is more or less a promissory bill with no maturity and passed on by blank endorsement.
The connection between the real goods and the certificates issued is unclear and the money supply is uncontrolled.
The aim is to become less dependent on the use of money, at least on a small scale.
In such a system, anyone who has something of value to offer (goods, services) would be able to issue a certificate. And it would be redeemed for a real value at the latest at the end of its term.
It can also be seen as a voucher that is backed by real value.
This system could be used by people in a small village to exchange goods with each other. Money does not necessarily have to flow. Any value can be offered as long as the other party agrees.
The system is old and good, but cumbersome, and new technologies can make it easy to use again.