What I see it is cupric oxide. The clad it is Ni-Cu alloy and sone foils of the clad are more porous then other. In some environmental conditions (ex: salty environment) the oxide will form and come on the surface of the coin. when you see this be aware that the core Cu is affected and it is irreversible. Sooner or later you will have a new color appear: green.
Environmental tarnishing/staining/discolourization, probably caused by chemical reaction of some sort. Coins will sometimes look this way after spending part of their life in a car's cup holder after coffee and soda spills. Just post mint damage.
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