The 'outright liquidity' of these coins is such that MOST will get more than face value - end of story. Some in excess of $30 if the right buyer is found on
ebay or the like. I'm sorry Anjohl, but there are many ways to spend NCLT coins other than 'banks' and financial institutions.
Bottom line, if I was a business man / manager of a Quicky / or a Plumber or any other trades where I provided a service, and my customer came in and offered me payment in silver NCLT coins - instead of paper money - I'd take it. I'd be more inclined to take 1 ounce $20 coins than 20/4/20's, But that's just me.
You sir, have been over-ruled by the majority of the patrons on this site, and the
Royal Canadian Mint to boot. The bank of Canada has set aside $20 for the production of these coins, they are indicated as 'legal tender' and as such, your arguments are not standing up to the criticism of other like minded members. If you can find an actual 'law or policy ' to deny the exchange of these coins please produce it - until then, please stop the rhetoric.