Legality of coin cutting:
Section 331. Title 18, U.S. CODE: Prohibits among other things the fraudulent alteration and mutilation of United States and foreign coins. This statute does not prohibit the mutilation of coins if done without fraudulent intent or if the mutilated coins are not used fraudulently.
In other words.. it's not cutting them that is illegal.. it is cutting them with intent to defraud that is illegal.
Cutting coins for the sake of making necklaces is legal!
Legality, direct from the US Mint...
https://www.usmint.gov/news/consumer-alerts/business-guidelines/business-faqs
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