/nɪˈɡoʊʃiəbəl ˈɪnstrəmənt/ – Phrase
Definition: Tài liệu có thể chuyển nhượng.
A more thorough explanation: written and signed documents which represent an intangible right of payment for a specified sum of money, either on demand or at a defined time
Example: The company’s name must be mentioned on all business documents and negotiable instruments.