The coins will be removed from the game, but Bungie will allow players to spend their coins. You don’t have to spend them now. The game isn’t going to remove your coins, but it will remove the ability for you to get them. So once Forsaken releases, you CAN spend them, and they won’t disappear from your inventory, but you won’t be able to earn them anymore. So no, you don’t have to spend them now, you can save them.
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Thanks!