A negotiable value or negotiable security is a common instrument in finance with which its holder can operate in the markets for buying and selling securities. Within the concept of negotiable value there are outstanding examples of financial assets such as shares or obligations.

Venmo, a popular payment app owned by PayPal, has become an essential part of daily transactions for many people. It allows users to send and receive money quickly and easily with just a few taps on their smartphones. Facebook Marketplace, on the other hand, is a convenient platform for users...