Money substitute is a term used to describe a variety of financial instruments that can be used as an alternative to cash. The four solutions to the crossword are scrip, BOND, CHECK, and TOKEN. Scrip is a form of currency issued by a company or government in lieu of money. Bonds are debt securities issued by governments or companies to raise money. Checks are written orders from one party to another to pay a certain amount of money. Tokens are physical objects such as coins or cards that can be exchanged for goods or services.