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The ch'ao was the third-lowest unit of currency used in Kara-Tur.[2]

The ch'ao took the form of a paper note, printed in amounts of 1, 10, and 100 ch'ao. One ch'ao was worth 100 fen or 20 yuan, and was equal to 1 tael, while 10 ch'ao were worth 1 ch'ien.[2] If transported to Faerûn circa 1357 DR, where paper money was not used, a ch'ao would be worthless as little more than a curiosity.[1]

Being only paper, ch'ao were easy to carry and use, and were favored for transactions of at least 100 fen.[2]

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