The Smuggler's Sunken Cargo

The captain's box is caught above the waterline. Four sealed crates sit below it in the flooded hold, their ropes still fastened to a loading beam. A manifest names a spice merchant in the nearest port who buys this cargo. The box holds the coins, pearls, and any bonus items. Each crate adds 75 gp once recovered; the box alone holds 200 gp in coins and pearls. Reveal the box before the party tackles the cargo. Leave crates unclaimed until recovered, or put them on a beach if your group skips hauling logistics.

Suggested reward for four characters, levels 4-6. Levels describe the reward, not encounter difficulty. Guaranteed coins and valuables: 500 gp; equipment and magic are extra. Homebrew quantities, drop chances, and trade valuations. Each chance is independent; multiple bonus items or none can appear. Copy this template to adjust it before deploying.

Companion guide: https://scryrpg.com/blog/dnd-loot-tables/#shipwreck-loot-table