This is so unique and hillarious that the short description provided is truly sufficient.
I'd add but two things:
*Traceability of the coin: can mediums or the like trace where a coin has been?
*Interception of the coin: I echo a previous comment: could a thieving Potter clone snatch them from mid-air to enrich himself? Sure, their enchantment needs to be temporarily suppressed, but perhaps... perhaps catching them is something only a few extremely dextrous individuals could do, making Falcon Coin theft a way of living for a few, while ensuing most transfers are safe.
Bloody brilliant. I have to wonder though at the culture that routinely enchants common currency. The image of vast clouds of glittering coins zooming from one end of the kingdom to another is mind-bendingly cool, but that is a LOT of wizards to employ at the royal mint. Still, what better way to emphasize the wealth and grandeur of a city than to show it all, swirling just out of reach?
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But here's a puzzler: if the coins avoid obstacles, why would flying be dangerous? Shouldn't they just part around the flying object and go on their merry way?
Cheka Man actually aroused just one bit of worry for me:
A) You noted that this coin is royal currency - how much is it worth? Say I had a debt of 1000 gold or whatever the standard currency is. Will one coin fit the bill?
B) If it doesn't, how can I send them en-masse. Throw them all in a bag, and hope they all get to the right target?
C) I hope that this coin prompts a mage to make "Gloves of snatching" which can momentarily dis-spell the coin so one could swipe it from the air, while riding say, a broom stick. =p
Overall though, I really do like the concept. In my opinion the only tweak it needs is how it deals with the transport of hundreds of these coins. Sending a cloud of copper or gold or whatever they are made of, seems just a bit...silly. Otherwise, you get lots of points for creativity. I don't think I've ever heard of something like this before.
This is a really good idea, and I'm pleased to see that some people have come up with adventures for it. I love items that are infinately practical but still unique. These would add great flavor to a very wealthy kingdom. I understand what you mean by avoiding obstacles. It avoids stationary obstacles, things that when the sender thinks of the person would be in the path, but living things can move into its predetermined path.
I love the concept. I would imagine that the Falcon coin could avoid Magpies as easily as any other obstacle, but maybe the creator hated Magpie. Here is an intriguing thought: could someone put a contact poison on a Falcon coin to poison the recipient? Could a recipient put poison on a coin without accepting it so that it would return to and poison the sender?
I could see this being the "underground" way to make purchases-the "blood diamond" if you will. The authorities could build elaborate traps to try to discover the identify of the sender (build a long tunnel that is in the typical flight path of the coins and then close both exits when the coin passes through).