Money in Dragon's Jaws

As a manor port dealing with locals, foreigners and the Realm the city freely accepts jade and silver and local merchant banks as well as branches of larger foreign ones exist, but even silver is too valuable for many to use day to day and there are no savings banks.

For most inhabitants, various special purpose trade counters are in use, those slightly more affluent are running accounts with various providers that are settled every season (being trusted to shop in permanent stores on pre-arranged credit is a key indicator that you've reached Resources 2).

• ‌Ever Reverent and Industrious Docks issue day tokens for each shift (lacquered sticks with different colours for different rates). A labourer cashes them in when they have enough or buys items directly from their employers stores, it is generally hard for someone else to cash them (fast talking or a good story required), compared to the other types they are relatively large denominations and some use for laundering or smuggling goods - crooked wages clerks can sell extra but need to buy them back as well.
• Each graveyard bazaar sells its own paper Shadow Money and they will be accepted by the stall holders in that market. It can’t be sold back by anyone except stall holders (so some are fences), designs change regularly and the rest can only be burnt for it’s original purpose (to honour the dead, different denominations represent different kinds of offerings). The ankle market also uses these but they are sold by the Immaculate Order and honour local gods rather than the dead, though as they name the gods without including a sacrilegious image only the literate know exactly who. The Order will also accept day tokens from labourers who would rather avoid the obvious trap of a company store.
• Food chittys. One of the banking families sell these small copper tokens and they are accepted by wandering food vendors. Of the tokens they are the easiest to cash in since large numbers use them and in large quantities. Normally they still leave a paper trail, and new designs are issued on a seaonal basis. Since the bank has to regard both vendors and purchasers as customers they avoid re-issuing and voiding earlier chittys arbitrarily, but unfortunately the only denomination is too small for much use outside of meals.

All of these have small secondary markets, and are somewhat useful for exchange but not as stores of value. Turning any of them back to cash is difficult outside of their intended purpose.