A Hawk in Silver

This is the author's first book, and I picked it out trying to find a book I read as a kid. This is young adult (somewhat before the category existed) but has some big topics (a war between fae).

A pure silver coin starts things off, and various folks then track down main character Holly, clearly to get it back. The blurb refers to the coin as "magic", but it isn't used as such. Holly and her friend Chris (both strong female characters) end up in strange and hidden locations and are pursued or attacked by interesting characters. Some interest in a male character with a fae connection is also in the story, but I wouldn't rank this as a romance.

The side story is the girls bullied by other girls in their school. This doesn't really resolve, and doesn't add much to the story. Perhaps chalk it up to this being the author's first novel. Coming back to the beginning, this was not a book I read as a kid, and my search continues. Would like to read another by this author in the future.