Greed Swarm

Greed Swarm is a medium construct (Challenge Rating 1/2).

Greed Swarm — fantasy monster illustration. Greed Swarm is a medium construct (Challenge Rating 1/2).
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AC: 13

HP: 22

Speed: fly 40 ft., walk 0 ft., hover true

STR: 6

DEX: 16

CON: 12

INT: 1

WIS: 9

CHA: 1

The sound of metal clinking against metal becomes a deafening cacophony as a swirling cloud of coins mindlessly hunts for more valuables to absorb into its ever-expanding mass._
Located in densely-populated areas, the greed swarm is solely focused on increasing the size of its hovering collection of valuables. Able to differentiate between objects of value and worthless junk, the swarm stalks streets and sewers alike. Its movements are erratic; the cloud swells and contracts in quick succession, repositioning itself in jerky, stilted bursts of motion.//
Bad Penny. The swarm consists of normal, mundane valuables animated by a magical master coin. Often mistaken as a standard regional coin, this master coin is created in a dark ritual to serve as a vessel for pure, ceaseless avarice. If the master coin is destroyed or separated from the swarm, the remaining coins return to their normal inert state and fall to the ground.
All that Glitters. The master coin cannot exert its power without a large enough supply of valuables to control in close proximity. Bank and vault owners who fail to screen incoming coinage for latent magical properties may find themselves in need of adventurers to discreetly quell a storm of their accumulated wealth. Wishing wells and public fountains are also common homes for greed swarms.
Construct Nature. The greed swarm doesn’t require air, food, drink, or sleep.

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Further reading

Jetpack7 Game Master Series
The Game Master's Book of Random Encounters
Jeff Ashworth · 2020
The Game Master's Book of Traps, Puzzles and Dungeons
Jeff Ashworth · 2022
The Game Master's Book of Legendary Dragons
Aaron Hübrich · 2022
Last updated 7/27/2026·Tags: monster, construct, medium