Gem

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Canon

A gem is a physical object which can be converted directly to Shmuckers by a caster, warlord or ruler. Shmuckers cannot be made into gems, except by a Moneymancer.

Gems can also be acquired through mining.

As physical objects, Gems are a way to make long-distance payments from one side to another via Hat Magic.

Speculation

Gems are the primary means of Shmuckers being hidden from a Moneymancer.