While many bards travel around the world, singing of adventures and tall tales while they gather information to share with the world, it is those who are part of the college of coin who use their influence for trade and financial benefits. These bards can serve as messengers for prominent trade guilds or craftsman, taking a small cut for themselves; proprietors of magical shops stocked with wondrous supplies that they trade for coin or gossip; or even act as the head of a craftsman guild that strives to create a vast network of trade where they are in control of the flow of gold.

Silver Tongue

When joining this college at 3rd level, you have learned to subtly manipulate the ways of trade negotiations to your favor and gain the following benefits.

• You have advantage on Charisma (Persuasion) checks when interacting with creatures for trade or business transactions, such as when buying or selling items.
• While staying in a city or town, you can maintain a modest lifestyle for yourself and up to 5 other creatures of your choice without paying the daily gold cost. This improves to a comfortable lifestyle at 5th level, a wealthy lifestyle at 10th level, and aristocratic lifestyle at 15th level.
• While in a city or town, you can spend 1 hour magically enchanting your words with the local shopkeepers to sell magic items without spending the normal required days searching for a buyer.

Sustained Supplies

Also at 3rd level, when you or an ally within 60 feet casts a spell that requires material components, you can expend one use of Bardic Inspiration as a reaction to fulfill the material component required by the spell. This reaction can fulfill the requirement for all material costs that total no more than 100 gp. 

The cost of material components that can be affected by this feature increases to 250 gp at 5th level, 500 gp at 10th level, and 1,000 gp at 15th level.

Enchanted Argument

At 6th level, your enchanting words have given you insight to using enchantment style spells. Choose two spells from any classes spell list that is from the Enchantment school of magic. A spell you choose must be of a level you can cast, as shown on the Bard table, or a cantrip. The spells you choose count as bard spells for you but don’t count against the number of bard spells you know.

You do not need to provide the verbal, somatic, or material components that do not have a specified gold cost, as part of casting these spells.

Forced Acquiescence

At 14th level, you have grown strong enough with your magically laden words to bend the results in your favor. When you or a friendly creature casts a spell that requires at least one creature to succeed on a saving throw, you can expend one use of Bardic Inspiration to roll a Bardic Inspiration die and subtract the number rolled from one creature’s saving throw.