The Ruling on Transfers and Currency Exchange

Question:
Honorable Shaykh, what is the ruling on transfers? That is, you give the money changer a Saudi riyal here, and the amount is delivered to another person in another country in the currency of that country.

Answer:
This is currency exchange. This is currency exchange. As for if he sends the money and it is received there in the same form without exchange, there is no objection; a transfer is fine. Or if a person owes you a debt in another country and you transfer that debt to someone else, there is no objection; it is a transfer. But if you give him money here and he gives you money in exchange in another country, that is currency exchange, so it is not permissible except hand-to-hand in the same session.
But some scholars in this time say that if one receives a certified check in the currency he wants in the other country, they say the check takes the place of the cash. And Allah knows best. I am not convinced of this, because the check is merely a document and not possession, and the substitute is usually present in the session. So it has not become clear to me that the check takes the place of the cash, not at all.