I have a 1915 korona and there is a bit of black stuff on it. I gently rubbed with my fingers and it slowly disappears. If I try with water, it will damage the coin?
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Maybe gently with some distilled water. You will almost certainly have uneven toning though. But personally, I'd rather have some uneven toning that black crud on a coin like that.
Rubbing the coin with your fingers will damage it, producing fine scratches called "hairlines". The black stuff is most likely toning/tarnish which will not be removed with water because it is chemically bonded to the coin.
I'd dab a q-tip in pure acetone and gently wipe it off. Water is an issue because when it dries it will leave a film of mineral deposits on the surface of the coin. Especially if you have "hard water" where you are.
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