Hawaladars don't issue bearer instruments afaik.  The notes exchanged in a hawala system were in fact redeemable only by named parties or delegates satisfying other terms too like a secret, who would need to interact fave to face in order to receive & collect money without needing to move any money between regions (necessarily, or yet).  Hawaladars enter the system through personal connections and lineage; you can't just sign up with a gmail account & build reputation 

...or maybe you can and I'm misinformed about hawala?  I've never used it.  Surely other financial systems use bearer instruments vs promissory notes, but you mentioned hawala 🤷‍♂️