RuneScape Classic Wiki
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The main RuneScape Wiki has an article on: Silver bar certificate

A silver bar certificate is a certificate that is obtained by exchanging five silver bars with Miles at Draynor Village market or with Watto at Zanaris. Silver bar certificates are stackable and each one can be exchanged back for five silver bars by talking to Miles or Watto.

Because silver bars are not stackable and players can only trade twelve items per trade screen, they are often exchanged for certificates so that they can be traded easier and faster.

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