The swap market is a way to manage credit risk by exchanging financial agreements between parties. Unlike standardized futures and options, swaps are customized to fit specific needs. Common types include interest rate, commodity, and foreign exchange swaps. At the end of a swap agreement, the parties exchange the initial principal and final coupon payments. The money from swaps can be used to help those in need, like the poor, beggars, and prostitutes, in line with Christian Orthodox beliefs.