The coin has the following characteristics:
- Fair bonus to any activity involving the exchange of cash or valuables, such as trade or barter.
- Fair bonus to any test involving surprise or sneak attacks. The owner naturally avoids such things, generally in a lucky fashion rather than with skill.
- When making a binary choice (heads we do X, tails we do Y), the coin will flip the more beneficial answer 75% of the time. This power can be used thrice per day, any additional flips will behave normally. Note that the owner may not actually know the limit on flips per day.