Bard: College of Coins

### College of Coins

Bards of the College of Coins apply their bardic gift of the gab to the arts of cutting deals and high stakes trades to put themselves at the top of any market. They are talent merchants, smugglers and tradesmen who can try to get the best out of even the poorest of deals and make the most of what treasures they claim - the risk, after all, is always calculated.

these bards certainly have their vices - some aspirational bards make their first fortune running cons and gambling dens - but money always finds a way to flow back into their pouches. Sometimes you have to risk it all on the toss of a coin!

#### Coin Toss
*3rd level College of Coins feature* 
Creatures that use a Bardic Inspiration die from you can choose to forgo rolling the die to flip a coin instead, gaining the following benefits based on the result:

**Heads.** The creature treats the Bardic Inspiration die as if it rolled its maximum value and you gain advantage on the next ability check, saving throw or attack roll you make.

**Tails.** The creature treats the Bardic Inspiration die as if it rolled a 1, but also gains temporary hit points equal to your bard level.

#### Talented Treasurer
*3rd level College of Coins feature* 
You can use any coin worth at least 1 cp as a spellcasting focus for your bard spells, and when your Spellcasting feature lets you learn or replace a bard cantrip or a bard spell of 1st level or higher, you can choose the new spell from any spell list as long as the spell has material components with a gold cost. You must otherwise obey all the restrictions for selecting the spell, and it becomes a bard spell for you.

Additionally, if you score a critical hit or a creature rolls a 1 on a saving throw against one of your bard spells whilst you are holding a coin, a number of identical coins appear in the same hand or in your coin purse (if you have one) equal to the creature's maximum number of Hit Dice.

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#### Frugal Consumer
*6th level College of Coins feature* 
You know how to pinch pennies and make the most of what you're given. Whenever you cast a spell that consumes
a material component, drink a potion, or use a spell scroll that’s worth no more 50 times you bard level in gold pieces, flip a coin.

If it lands on heads, the component, potion or spell scroll is not consumed; on tails it is consumed as normal.

Additionally you can use a bonus action to take the Use an Object action or drink a potion. If you expend a Bardic Inspiration, you can choose a target within 30 feet of you to gain the benefits of the potion you consumed instead of you.

#### Loot Explosion
*14th level College of Coins feature* 
When you reduce a hostile creature to 0 hit points, you can conjure an explosion of coins to erupt from its remains. The number of gold coins conjured by this feature is equal to the amount of XP the monster is worth divided by 10 (rounded down). You can use this feature once before requiring a Long Rest.

#### Coin of Plently
*14th level College of Coins feature* 
You can enchant a mundane coin you are holding as an action and bestow upon it special property. This property depends on on the value of the coin enchanted:

**Copper.** As long as the creature holding the coin is able to speak a language, you and that creature are always understand any language or writing the other speaks, even if you normally would not share a language.

**Silver.** You have advantage on all Charisma checks directed at the creature holding the coin and it has disadvantage on Perception and Insight checks it makes against you.

**Gold.** The creature that is holding the coin gains any one of the effects of *enhance ability* for as long as it remains holding the enchanted coin. Which effect is granted is chosen by you and, as an action, you are able to change to another effect (such as from Bull's Strength to Cat's Grace); if an effect ends, you lose all benefits of the previous effect, including any temporary hit points you might have gained.

**Electrum.** You and the holder of the coin can communicate telepathically, whether or not you have a common language with each other. The communication is possible over any distance, though it can't extend to other planes of existence.

**Platnium.** you can use an action to see and hear through the enchanted coin until the start of your next turn, as if you were in the coin’s space. During this time, you are deaf and blind with regard to your own senses. The coin is considered to have normal vision, as well as a blindsight out to 30 feet.

The coin retains this enchantment for up to 10 minutes, unless you end its effects early (no action required). You can enchant a coin this way a number of times equal to your Charisma modifier and regain all uses when you complete a long rest.

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