Private business' were also allowed to issue small denomination notes beginning spring 1862. Hard money(US Coins/Specie) were hoarded at the beginning of the war and business' needed to make change and have a medium for small purchases. Soldiers in state service received payment in State Warrants. Soldiers in the Confederate Army received payment in Confederate Treasury Notes.(When available). Certainly the Trans Mississippi was always short of cash. Most especially after July,1863.