@JL, just a thought here. You've bought the coin so have little to lose at this point. Consider taking a soldering gun and placing it contact with the mass that covers the coin. If it melts, then yes it is solder, but if it doesn't melt, then it might be an interior die break as noted by @GC. If it were brazing (which melts at a higher temperature), then I think that we would see some discoloration.
It is an unusual shape/location for a die break, so I'm leaning toward this not being a mint error, but like I said, you should be able to confirm one way or another.
"If you climb a good tree, you get a push." -----Ghanaian proverb
"The danger we all now face is distinguishing between what is authentic and what is performed." -----King Adz
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