A person could create a negotiable instrument in pencil on a piece of wrapping paper.

Question

Quizplus · Accepted Answer

A negotiable instrument can be created on any material using any form of writing or symbol, as long as it meets the requirements of being a negotiable instrument, such as being payable to a specific person or bearer and containing a promise or order to pay a specific amount. The material and form of writing used does not invalidate the negotiability of the instrument.

A Person Could Create a Negotiable Instrument in Pencil on a Piece