Wealth comes in many forms in the DUNGEONS & DRAGONS world. Coins, gemstones, trade goods, art objects, animals, and property can reflect your character's financial well-being.
Common coins come in several different denominations based on the relative worth of the metal from which they are made. The three most common coins in the world are the gold piece (gp), the silver piece (sp), and the copper piece (cp). One gold piece is worth ten silver pieces. One silver piece is worth ten copper pieces.
In addition to the common coins, other unusual metals sometimes come to surface in transactions. The electrum piece (ep) and the platinum piece (pp) originate from fallen empires and lost kingdoms, and they arouse suspicion and skepticism when used in transactions. An electrum piece is worth five silver pieces, while a platinum piece is worth ten gold pieces.
A standard coin weighs about a third of an ounce, so fifty coins equal a pound.
A typical commoner uses copper pieces and sometimes silver. Other coins are mainly for wealthy merchants, nobles, and the hoards of greedy dragons.
Standard Exchange Rates
Opportunities abound in D&D to find treasure, equipment, weapons, armor, and more in the dungeons you explore. Normally, you can offload your treasures and trinkets when you return to a town or other settlement, where you can find buyers and merchants interested in your loot.
Gems, Jewelry, and Art Objects: These items retain their full value in the marketplace, and you can either trade them in for coin or use them as currency for other transactions. For exceptionally valuable treasures, the DM might require you to find a buyer in a large town or larger community first.
Trade Goods: On the borderlands, many people conduct transactions through barter. Like gems and art objects, trade goods - such as bars of iron, bags of salt, livestock, and so on - retain their full value in the market and can be used as currency.
Arms, Armor, Gear: As a general rule, weapons, armor, and other equipment fetch half their cost when sold in a market. Weapons and armor used by monsters, however, are rarely in good enough condition to sell.
Magic Items: Selling magic that you find as loot is problematic. Finding someone to buy a potion or a scroll isn't too hard, but other items are out of the realm of most but the wealthiest nobles. Likewise, aside from a few common magic items, you won't normally come across magic items or spells to purchase. In other words, the value of magic is far beyond simple gold and should always be treated as such.