This small little coin is inscribed with a thousand little runes on it, and any other coin that touches it attaches to it and starts the construction of a golem that will fight to the death for the first person to add a coin to it. Said person is the owner of the golem and can take money off of the golem when needed but must be advised agains taking too much or it may deal critical damage to the golem.
The golem dates back to a king Midous type ruler that was to greedy to pay guards to guard his vast collection of treasure. This ruler’s name is long forgotten in history, and his kingdom fell to his greed but the twenty magic coins still remain.
for every 500,000GP in the golem it gains the a random spell of 1-4 lvl. this spell can be cast up to 5 times in a day. The con value is like xp for the golem and it gains spells in the way a sorcerer does only the owner doesn’t choose the spells.
To add coins to the golem the owner needs only to place the money in the golems hands. To take money from the golem the owner needs only to ask it for the needed amount and it will fall off the golem.