The instrument is that issuers have one person, another person disbursement. Most of the so-called draft expert refers to the Bank Draft or cheque as the instrument used by the Bank.
The instrument issuers ordered to pay one person to another person referred to draft the Draft of the bank's own means or instruments used up the money from another bank.
The coupon issuers, order one person to pay money to another person commonly called draft / mainly refers to Draft of banks. Or is the instrument used money from other banks.