The Dividing Coin

This object appears to be nothing more than a simple gold coin, its markings and features eroded by time and constant use. An assay will show it to be made from the purest gold. A careful examination of its markings will show the faint outline of a face on one side, and a wheel-like icon on the other. Magical examination will reveal the Coin is enchanted with Superb quality alteration magic. A Superb divination will reveal the command word required to activate the Coin's magic.

When the command word is spoken, the Coin duplicates itself, creating a second gold coin of equal value. This coin is of equal quality to the original, though the minor flaws and nicks on each coin's surface are slightly different. This command word can be used once per hour, creating up to 24 new coins each day.

Any created coins that remain in the possession of the original's owner vanish at midnight. Coins traded or given away have a 5% chance of becoming coins of lesser value each night at midnight. Gold become silver, silver become copper, and copper become lead slugs. This chance is additive across all coins in a single person's possession, and affects all owned duplicates. For example if someone owns ten duplicate gold coins there is a 50% chance they will all become silver each night at midnight. The original coin is never affected by this.