Tyches golden swarm

You touch a willing creature. The gold coins used as material components for this spell create a swarm around the target for the duration. Choose an amount of coins worth 20 GP or less. The swarm of coins has a number of hit points equal to its worth in GP. Whenever the target takes damage, half of the damage is instead taken by the coins. When the swarm is reduced to 0 hit points, the spell ends. When another creature starts its turn within 5 ft. of the target, the target can choose to deal 2d4 bludgeoning damage to the creature. The swarm of gold then takes the same amount of damage.

When the spell ends, any remaining coins vanish.

At Higher Levels. When you cast this spell using a spell slot of 3rd level or higher, the maximum amount of gold is increased by 20 for each level.