+A **debt instrument** is a contractual tool where one party, the [Borrower](/wiki/borrower), agrees to repay funds to another, the [Lender](/wiki/lender), often with interest, by a future date. It formalizes a loan, allowing capital to flow within an economy.
+## See also
+- [Bond](/wiki/bond)
+- [Loan](/wiki/loan)
+- [Interest](/wiki/interest)
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