Potential answers for "Money substitute, for short"

⭐⭐⭐⭐ IOU
⭐⭐⭐ SCRIP
⭐⭐ IRA
⭐⭐ FDIC
⭐⭐ SANDL
⭐⭐ CFOS
⭐⭐ ATMS
⭐⭐ SHY
⭐⭐ ATM

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