A suitable substitute for trade is known as fiat money.
Fiat money is a suitable substitute used for trade barter.
fiat money
Really only trade would be a money substitute. That is it. But money substitutes are things that can be used in place of money.
The correct phrase is "beneficiary of." This term is used to refer to someone who receives benefits, advantages, or payments from a specific source, such as a trust or an insurance policy. For example, you might say, "She is the beneficiary of her father's estate." The phrase "beneficiary to" is not commonly used in this context.
The word beneficiary is a noun but is also used as an adjective. Examples: Noun: You are listed as the beneficiary on your Aunt Alice's life insurance. Adjective: The beneficiary result of saving your money is that you can afford that vacation.
Pickles or gherkins can be used as a substitute for cornichons in a recipe.
Green tomatoes can be used as a substitute for tomatillos in a recipe.
A mason jar with a lid can be used as a substitute for a cocktail shaker.
Gelatin can be used as a substitute for agar powder in a recipe.
Coriander or chili powder can be used as a substitute for cumin in recipes.
Fresh parsley can be used as a substitute for dried parsley in recipes.