Coin Armour

You touch a willing creature that isn't wearing medium or heavy armour while holding a stack of coins, which then form a layer of armour on the target. This raises the target's AC (see table). This armour disappears and reforms as a stack of coins if the target dismisses the spell or is rendered unconscious or dead. 

Additionally, upon being hit, roll a d20. On a 1, all coins used in the armour lose all value as currency and the armour dissipates on your next turn. On a 20, some coins of the same type used for the armour form on the ground next to the target.

• 75 Copper = 13AC + Dex
• 50 Silver = 14AC + Dex (Unlocked when this spell is cast using a 2nd level spell slot or higher)
• 25 Gold = 16AC + Dex (Unlocked when this spell is cast using a 3rd level spell slot or higher)
• 20 Platinum = 17AC + Dex (Unlocked when this spell is cast using a 5th level spell slot or higher)