The silvery plating looks to be worn off and revealing a not-so-silver surface beneath it. Only on the high points on the relief (especially letterings, the water, and the queen's face) and backgrounds away from the relief though. It's like on older heavily circulated samples, but this is a new coin. It's not dirt either, I tried to clean it and nothing happens.
Reminds me a bit of the circulated 2003W loonie, but it's unlikely to have come from a mint set right, because the coins in mint sets are basically the same as circulation coins anyway, having regular business strikes?
This, in comparison, is the reverse of a normal 2014 nickel. The silvery plating is still complete.
I dont believe its bad plating, the obverse shows the plating to be fine in between all the lettering. Perhaps a slightly hard srtike, some film on the die, poor polishing or PMD.
Thanks. Just looked up badly plated coin photos and they don't look much like this. I guess there's no absolute way to tell what it is from photos, maybe even when in hand, too many factors.
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