diff --git a/dGame/Character.cpp b/dGame/Character.cpp
index d61c6c7ed..1f4a7bbb6 100644
--- a/dGame/Character.cpp
+++ b/dGame/Character.cpp
@@ -590,7 +590,38 @@ const NiPoint3& Character::GetRespawnPoint(LWOMAPID map) const {
 	return pair->second;
 }
 
-void Character::SetCoins(int64_t newCoins, eLootSourceType lootSource) {
+CoinSource CoinSource::Object(const Entity& source) {
+	CoinSource coinSource;
+	coinSource.object = source.GetObjectID();
+	coinSource.lot = source.GetLOT();
+	return coinSource;
+}
+
+CoinSource CoinSource::Position(const NiPoint3& position) {
+	CoinSource coinSource;
+	coinSource.position = position;
+	return coinSource;
+}
+
+CoinSource CoinSource::Trade(const LWOOBJID tradeID) {
+	CoinSource coinSource;
+	coinSource.tradeID = tradeID;
+	return coinSource;
+}
+
+GameMessages::SetCurrency Character::MakeSetCurrency(const LWOOBJID player, const int64_t coins, const eLootSourceType coinSource, const CoinSource& source) {
+	GameMessages::SetCurrency setCurrency;
+	setCurrency.target = player;
+	setCurrency.currency = coins;
+	setCurrency.position = source.position;
+	setCurrency.sourceLOT = source.lot;
+	setCurrency.sourceID = source.object;
+	setCurrency.sourceTradeID = source.tradeID;
+	setCurrency.sourceType = coinSource;
+	return setCurrency;
+}
+
+void Character::SetCoins(int64_t newCoins, eLootSourceType lootSource, const CoinSource& source) {
 	if (newCoins < 0) {
 		newCoins = 0;
 	}
@@ -600,15 +631,7 @@ void Character::SetCoins(int64_t newCoins, eLootSourceType lootSource) {
 	m_Coins = newCoins;
 
 	auto* entity = Game::entityManager->GetEntity(m_ObjectID);
-	GameMessages::SetCurrency setCurrency;
-	setCurrency.target = entity->GetObjectID();
-	setCurrency.currency = m_Coins;
-	setCurrency.lootType = 0;
-	setCurrency.sourceLOT = 0;
-	setCurrency.sourceID = 0;
-	setCurrency.sourceTradeID = 0;
-	setCurrency.sourceType = lootSource;
-	setCurrency.SendToClient(entity->GetSystemAddress());
+	MakeSetCurrency(entity->GetObjectID(), m_Coins, lootSource, source).SendToClient(entity->GetSystemAddress());
 
 	// Live followed every coin gain with CurrencyCollected (the amount gained); losses had none
 	auto* characterComponent = entity->GetComponent<CharacterComponent>();
diff --git a/dGame/Character.h b/dGame/Character.h
index b5fd33284..0154c09a6 100644
--- a/dGame/Character.h
+++ b/dGame/Character.h
@@ -17,6 +17,26 @@ class Entity;
 enum class ePermissionMap : uint64_t;
 enum class eGameMasterLevel : uint8_t;
 enum class eLootSourceType : uint32_t;
+namespace GameMessages {
+	struct SetCurrency;
+}
+
+/**
+ * Where a coin change came from, as live filled SetCurrency (18,417 live SetCurrency):
+ * pickups carry the position the client picked the coins up at (the client starts the coin animation there);
+ * mission, achievement and activity rewards name the player (LOT 1); vendors name the vendor and its LOT;
+ * trades carry the trade ID. Everything else (death, mail) names nothing.
+ */
+struct CoinSource {
+	NiPoint3 position{ NiPoint3Constant::ZERO };
+	LWOOBJID object{ LWOOBJID_EMPTY };
+	LOT lot{ LOT_NULL };
+	LWOOBJID tradeID{ LWOOBJID_EMPTY };
+
+	static CoinSource Object(const Entity& source);
+	static CoinSource Position(const NiPoint3& position);
+	static CoinSource Trade(LWOOBJID tradeID);
+};
 
 /**
  * Meta information about a character, like their name and style
@@ -352,7 +372,12 @@ public:
 	 * @param newCoins the amount of coins to update by
 	 * @param coinSource The source of the loot
 	 */
-	void SetCoins(int64_t newCoins, eLootSourceType coinSource);
+	void SetCoins(int64_t newCoins, eLootSourceType coinSource, const CoinSource& source = {});
+
+	/**
+	 * The SetCurrency live sent for a coin change.
+	 */
+	static GameMessages::SetCurrency MakeSetCurrency(LWOOBJID player, int64_t coins, eLootSourceType coinSource, const CoinSource& source);
 
 	/**
 	 * Get the entity this character belongs to
diff --git a/dGame/TradingManager.cpp b/dGame/TradingManager.cpp
index 37885dbc4..c13edbd84 100644
--- a/dGame/TradingManager.cpp
+++ b/dGame/TradingManager.cpp
@@ -177,8 +177,8 @@ void Trade::Complete() {
 
 	// Now actually do the trade. Nothing is created or destroyed, so the economy ledger records transfers instead.
 	EconomyLedger::ScopedItemTransfer transfer;
-	characterA->SetCoins(characterA->GetCoins() - m_CoinsA + m_CoinsB, eLootSourceType::TRADE);
-	characterB->SetCoins(characterB->GetCoins() - m_CoinsB + m_CoinsA, eLootSourceType::TRADE);
+	characterA->SetCoins(characterA->GetCoins() - m_CoinsA + m_CoinsB, eLootSourceType::TRADE, CoinSource::Trade(m_TradeId));
+	characterB->SetCoins(characterB->GetCoins() - m_CoinsB + m_CoinsA, eLootSourceType::TRADE, CoinSource::Trade(m_TradeId));
 
 	const auto zone = Game::server ? Game::server->GetZoneID() : 0;
 	const auto recordCoins = [zone](const uint64_t coins, const LWOOBJID from, const LWOOBJID to) {
diff --git a/dGame/dComponents/VendorComponent.cpp b/dGame/dComponents/VendorComponent.cpp
index b998d7030..131594019 100644
--- a/dGame/dComponents/VendorComponent.cpp
+++ b/dGame/dComponents/VendorComponent.cpp
@@ -207,7 +207,7 @@ void VendorComponent::Buy(Entity* buyer, LOT lot, uint32_t count) {
 		inventoryComponent->RemoveItem(itemComp.currencyLOT, altCurrencyCost, eInventoryType::ALL);
 	}
 
-	character->SetCoins(character->GetCoins() - (coinCost), eLootSourceType::VENDOR);
+	character->SetCoins(character->GetCoins() - (coinCost), eLootSourceType::VENDOR, CoinSource::Object(*m_Parent));
 	inventoryComponent->AddItem(lot, count, eLootSourceType::VENDOR);
 	SendTransactionResult(buyer->GetObjectID(), buyer->GetSystemAddress(), eVendorTransactionResult::PURCHASE_SUCCESS);
 }
@@ -278,7 +278,7 @@ void VendorComponent::SellToVendor(Entity& player, const SystemAddress& sysAddr,
 
 	MakeRoomInBuyback(*inv, *item, static_cast<uint32_t>(std::max(count, 0)));
 	inv->MoveItemToInventory(item, eInventoryType::VENDOR_BUYBACK, count, true, false, true);
-	character->SetCoins(std::floor(character->GetCoins() + (static_cast<uint32_t>(itemComp.baseValue * sellScalar) * count)), eLootSourceType::VENDOR);
+	character->SetCoins(std::floor(character->GetCoins() + (static_cast<uint32_t>(itemComp.baseValue * sellScalar) * count)), eLootSourceType::VENDOR, CoinSource::Object(*m_Parent));
 	SendTransactionResult(m_Parent->GetObjectID(), sysAddr, eVendorTransactionResult::SELL_SUCCESS);
 }
 
@@ -316,7 +316,7 @@ void VendorComponent::BuybackFromVendor(Entity& player, const SystemAddress& sys
 
 	//inv->RemoveItem(count, -1, iObjID);
 	inv->MoveItemToInventory(item, Inventory::FindInventoryTypeForLot(item->GetLot()), count, true, false);
-	character->SetCoins(character->GetCoins() - cost, eLootSourceType::VENDOR);
+	character->SetCoins(character->GetCoins() - cost, eLootSourceType::VENDOR, CoinSource::Object(*m_Parent));
 	//Game::entityManager->SerializeEntity(player); // so inventory updates
 	SendTransactionResult(m_Parent->GetObjectID(), sysAddr, eVendorTransactionResult::PURCHASE_SUCCESS);
 }
diff --git a/dGame/dGameMessages/PlayerMessages.cpp b/dGame/dGameMessages/PlayerMessages.cpp
index 608071ce0..e495a82d0 100644
--- a/dGame/dGameMessages/PlayerMessages.cpp
+++ b/dGame/dGameMessages/PlayerMessages.cpp
@@ -50,7 +50,7 @@ namespace GameMessages {
 		bitStream.Write(position.z);
 		BitStreamUtils::WriteOptional(bitStream, sourceLOT, LOT_NULL);
 		BitStreamUtils::WriteOptional(bitStream, sourceID, LWOOBJID_EMPTY);
-		BitStreamUtils::WriteOptional(bitStream, sourceTradeID, 0);
+		BitStreamUtils::WriteOptional(bitStream, sourceTradeID, LWOOBJID_EMPTY);
 		BitStreamUtils::WriteOptional(bitStream, sourceType, eLootSourceType::NONE);
 	}
 
@@ -62,7 +62,7 @@ namespace GameMessages {
 		VALIDATE_READ(bitStream.Read(position.z));
 		VALIDATE_READ(BitStreamUtils::ReadOptional(bitStream, sourceLOT, LOT_NULL));
 		VALIDATE_READ(BitStreamUtils::ReadOptional(bitStream, sourceID, LWOOBJID_EMPTY));
-		VALIDATE_READ(BitStreamUtils::ReadOptional(bitStream, sourceTradeID, 0));
+		VALIDATE_READ(BitStreamUtils::ReadOptional(bitStream, sourceTradeID, LWOOBJID_EMPTY));
 		VALIDATE_READ(BitStreamUtils::ReadOptional(bitStream, sourceType, eLootSourceType::NONE));
 		return true;
 	}
@@ -115,10 +115,17 @@ namespace GameMessages {
 
 	void PickupCurrency::Serialize(RakNet::BitStream& bitStream) const {
 		bitStream.Write(currency);
+		bitStream.Write(position.x);
+		bitStream.Write(position.y);
+		bitStream.Write(position.z);
 	}
 
 	bool PickupCurrency::Deserialize(RakNet::BitStream& bitStream) {
-		return bitStream.Read(currency);
+		VALIDATE_READ(bitStream.Read(currency));
+		VALIDATE_READ(bitStream.Read(position.x));
+		VALIDATE_READ(bitStream.Read(position.y));
+		VALIDATE_READ(bitStream.Read(position.z));
+		return true;
 	}
 
 	void PickupCurrency::Handle(Entity& entity, const SystemAddress& sysAddr) {
@@ -126,7 +133,7 @@ namespace GameMessages {
 
 		auto* ch = entity.GetCharacter();
 		if (ch && entity.PickupCoins(currency)) {
-			ch->SetCoins(ch->GetCoins() + currency, eLootSourceType::PICKUP);
+			ch->SetCoins(ch->GetCoins() + currency, eLootSourceType::PICKUP, CoinSource::Position(position));
 		}
 	}
 
diff --git a/dGame/dGameMessages/PlayerMessages.h b/dGame/dGameMessages/PlayerMessages.h
index b80bb5cb9..e44476d84 100644
--- a/dGame/dGameMessages/PlayerMessages.h
+++ b/dGame/dGameMessages/PlayerMessages.h
@@ -53,8 +53,7 @@ namespace GameMessages {
 		NiPoint3 position{ NiPoint3Constant::ZERO };
 		LOT sourceLOT{ LOT_NULL }; // optional
 		LWOOBJID sourceID{ LWOOBJID_EMPTY }; // optional
-		// optional (default 0). DLU writes it as an int32_t; lu_packets has an object ID (8 bytes). Only ever 0.
-		int32_t sourceTradeID{ 0 };
+		LWOOBJID sourceTradeID{ LWOOBJID_EMPTY }; // optional; the client reads an object ID (8 bytes)
 		eLootSourceType sourceType{ eLootSourceType::NONE }; // optional
 	};
 
@@ -109,6 +108,7 @@ namespace GameMessages {
 		void Handle(Entity& entity, const SystemAddress& sysAddr) override;
 
 		uint32_t currency{};
+		NiPoint3 position{ NiPoint3Constant::ZERO }; // where the client picked the coins up
 	};
 
 	// Client -> server.
diff --git a/dGame/dMission/Mission.cpp b/dGame/dMission/Mission.cpp
index b0ec505c2..ea853702c 100644
--- a/dGame/dMission/Mission.cpp
+++ b/dGame/dMission/Mission.cpp
@@ -528,7 +528,7 @@ void Mission::YieldRewards() {
 
 		if (info.reward_currency_repeatable > 0 || coinsToSend > 0) {
 			eLootSourceType lootSource = info.isMission ? eLootSourceType::MISSION : eLootSourceType::ACHIEVEMENT;
-			character->SetCoins(character->GetCoins() + info.reward_currency_repeatable + coinsToSend, lootSource);
+			character->SetCoins(character->GetCoins() + info.reward_currency_repeatable + coinsToSend, lootSource, CoinSource::Object(*entity));
 		}
 
 		return;
@@ -556,7 +556,7 @@ void Mission::YieldRewards() {
 
 	if (info.reward_currency > 0 || coinsToSend > 0) {
 		eLootSourceType lootSource = info.isMission ? eLootSourceType::MISSION : eLootSourceType::ACHIEVEMENT;
-		character->SetCoins(character->GetCoins() + info.reward_currency + coinsToSend, lootSource);
+		character->SetCoins(character->GetCoins() + info.reward_currency + coinsToSend, lootSource, CoinSource::Object(*entity));
 	}
 
 	if (info.reward_maxinventory > 0) {
diff --git a/dGame/dUtilities/Loot.cpp b/dGame/dUtilities/Loot.cpp
index b9a421b84..4315b3e72 100644
--- a/dGame/dUtilities/Loot.cpp
+++ b/dGame/dUtilities/Loot.cpp
@@ -570,7 +570,7 @@ void Loot::GiveActivityLoot(Entity* player, const LWOOBJID source, uint32_t acti
 
 	auto* character = player->GetCharacter();
 
-	character->SetCoins(character->GetCoins() + coins, eLootSourceType::ACTIVITY);
+	character->SetCoins(character->GetCoins() + coins, eLootSourceType::ACTIVITY, CoinSource::Object(*player));
 }
 
 void Loot::DropLoot(Entity* player, const LWOOBJID source, uint32_t matrixIndex, uint32_t minCoins, uint32_t maxCoins) {
diff --git a/tests/dGameTests/CMakeLists.txt b/tests/dGameTests/CMakeLists.txt
index 5ee37e527..03b30e00f 100644
--- a/tests/dGameTests/CMakeLists.txt
+++ b/tests/dGameTests/CMakeLists.txt
@@ -18,6 +18,7 @@ set(DGAMETEST_SOURCES
 	"UgcManifestTests.cpp"
 	"SceneGhostingTests.cpp"
 	"HolidayEventsTests.cpp"
+	"SetCurrencySourceTests.cpp"
 )
 
 add_subdirectory(dComponentsTests)
diff --git a/tests/dGameTests/SetCurrencySourceTests.cpp b/tests/dGameTests/SetCurrencySourceTests.cpp
new file mode 100644
index 000000000..4b3a2942b
--- /dev/null
+++ b/tests/dGameTests/SetCurrencySourceTests.cpp
@@ -0,0 +1,55 @@
+#include "GameDependencies.h"
+#include "dGameMessagesTests/GameMessageTestUtils.h"
+
+#include "Character.h"
+#include "Entity.h"
+#include "PlayerMessages.h"
+#include "eLootSourceType.h"
+
+#include <gtest/gtest.h>
+
+using namespace GameMessageTestUtils;
+
+// SetCurrency source fields per source type, as live sent them. Each expected packet is a live SetCurrency with the
+// player ID replaced by 0x1000000000000001 and any other object or trade ID by 0x0102030405060708.
+class SetCurrencySourceTests : public GameDependenciesTest {
+protected:
+	void SetUp() override { SetUpDependencies(); }
+	void TearDown() override { TearDownDependencies(); }
+
+	static constexpr LWOOBJID PLAYER = 0x1000000000000001LL;
+	static constexpr LWOOBJID OTHER = 0x0102030405060708LL;
+};
+
+TEST_F(SetCurrencySourceTests, PickupCarriesThePickupPosition) {
+	const auto msg = Character::MakeSetCurrency(PLAYER, 253493, eLootSourceType::PICKUP, CoinSource::Position(NiPoint3(-142.26820373535156f, 69.87815856933594f, 391.2568359375f)));
+	EXPECT_PACKET_EQ(FromHex("53 05 00 0c 00 00 00 00 01 00 00 00 00 00 00 10 85 00 35 de 03 00 00 00 00 00 54 a2 07 61 cf 60 c5 a1 70 50 61 a1 88 58 00 00 00", 341), StructPacket(msg));
+}
+
+TEST_F(SetCurrencySourceTests, MissionAndAchievementNameThePlayer) {
+	auto playerInfo = info;
+	playerInfo.lot = 1;
+	Entity player(PLAYER, playerInfo);
+	EXPECT_PACKET_EQ(FromHex("53 05 00 0c 00 00 00 00 01 00 00 00 00 00 00 10 85 00 02 25 03 00 00 00 00 00 00 00 00 00 00 00 00 00 00 00 00 00 40 40 00 00 20 20 00 00 00 00 00 02 08 10 00 00 00", 437),
+		StructPacket(Character::MakeSetCurrency(PLAYER, 206082, eLootSourceType::MISSION, CoinSource::Object(player))));
+	EXPECT_PACKET_EQ(FromHex("53 05 00 0c 00 00 00 00 01 00 00 00 00 00 00 10 85 00 0a ef 03 00 00 00 00 00 00 00 00 00 00 00 00 00 00 00 00 00 40 40 00 00 20 20 00 00 00 00 00 02 08 28 00 00 00", 437),
+		StructPacket(Character::MakeSetCurrency(PLAYER, 257802, eLootSourceType::ACHIEVEMENT, CoinSource::Object(player))));
+}
+
+TEST_F(SetCurrencySourceTests, VendorNamesTheVendor) {
+	auto vendorInfo = info;
+	vendorInfo.lot = 8212;
+	Entity vendor(OTHER, vendorInfo);
+	EXPECT_PACKET_EQ(FromHex("53 05 00 0c 00 00 00 00 01 00 00 00 00 00 00 10 85 00 18 39 00 00 00 00 00 00 00 00 00 00 00 00 00 00 00 00 00 00 45 08 00 00 21 00 e0 c0 a0 80 60 40 28 48 00 00 00", 437),
+		StructPacket(Character::MakeSetCurrency(PLAYER, 14616, eLootSourceType::VENDOR, CoinSource::Object(vendor))));
+}
+
+TEST_F(SetCurrencySourceTests, TradeCarriesAnEightByteTradeId) {
+	EXPECT_PACKET_EQ(FromHex("53 05 00 0c 00 00 00 00 01 00 00 00 00 00 00 10 85 00 34 66 03 00 00 00 00 00 00 00 00 00 00 00 00 00 00 00 00 00 10 80 70 60 50 40 30 20 18 30 00 00 00", 405),
+		StructPacket(Character::MakeSetCurrency(PLAYER, 222772, eLootSourceType::TRADE, CoinSource::Trade(OTHER))));
+}
+
+TEST_F(SetCurrencySourceTests, DeathNamesNothing) {
+	EXPECT_PACKET_EQ(FromHex("53 05 00 0c 00 00 00 00 01 00 00 00 00 00 00 10 85 00 61 59 00 00 00 00 00 00 00 00 00 00 00 00 00 00 00 00 00 00 08 40 00 00 00", 341),
+		StructPacket(Character::MakeSetCurrency(PLAYER, 22881, eLootSourceType::DELETION, {})));
+}
diff --git a/tests/dGameTests/dGameMessagesTests/RemainingMessagesTests.cpp b/tests/dGameTests/dGameMessagesTests/RemainingMessagesTests.cpp
index 389ddb991..accbdf551 100644
--- a/tests/dGameTests/dGameMessagesTests/RemainingMessagesTests.cpp
+++ b/tests/dGameTests/dGameMessagesTests/RemainingMessagesTests.cpp
@@ -408,9 +408,9 @@ TEST_F(RemainingMessagesTests, PlayerMessagesMatchLegacy) {
 					currency.lootType = smallValue;
 					currency.sourceID = smallValue;
 					currency.sourceLOT = smallValue;
-					currency.sourceTradeID = smallValue;
 					currency.sourceType = source;
-					ExpectSameSends([&] { LegacyGameMessages::SendSetCurrency(&entity, value, smallValue, smallValue, smallValue, smallValue, true, source); }, [&] { currency.SendToClient(entity.GetSystemAddress()); });
+					// The legacy sender wrote a set trade ID as 4 bytes; the client reads 8 (see SetCurrencyTradeIdIsAnObjectId).
+					ExpectSameSends([&] { LegacyGameMessages::SendSetCurrency(&entity, value, smallValue, smallValue, smallValue, 0, true, source); }, [&] { currency.SendToClient(entity.GetSystemAddress()); });
 					RoundTrip(currency);
 				}
 			}
@@ -427,7 +427,16 @@ TEST_F(RemainingMessagesTests, InboundPlayerMessagesMatchLegacy) {
 	for (const uint32_t amount : { 0u, 1u, 0xffffffffu }) {
 		GameMessages::PickupCurrency pickup;
 		pickup.currency = amount;
-		EXPECT_EQ(ReadWithLegacy<unsigned int>(pickup, LegacyGameMessages::ReadPickupCurrency), amount);
+		pickup.position = NiPoint3(1.5f, -2.0f, 300.25f);
+		// The old reader stopped after the amount; the client also sends where it picked the coins up.
+		RakNet::BitStream wire;
+		pickup.Serialize(wire);
+		RakNet::BitStream legacyStream(wire.GetData(), wire.GetNumberOfBytesUsed(), false);
+		EXPECT_EQ(LegacyGameMessages::ReadPickupCurrency(legacyStream), amount);
+		const auto copy = RoundTrip(pickup);
+		EXPECT_EQ(copy.currency, amount);
+		EXPECT_EQ(copy.position, pickup.position);
+		EXPECT_EQ(wire.GetNumberOfBitsUsed(), 16u * 8u);
 		ExpectTruncatedFails(pickup);
 	}
 	for (const auto& name : g_WStrings) {