Fine Silver is Pure 99.9% Silver. Sterling is 92.5% Silver.
Fine silver can be tested to be 99.9% pure silver metal . Sterling Silver is an alloy - which is a mixture of metals. Sterling is 92.5% silver, and the rest is other metals - mostly copper. The addition of Sterling Silver has it's drawbacks such as tarnishing due to the copper. Fine Silver is .999% pure and has a nice bright silver color which makes it tarnish resistant. It is also more valuable then sterling.
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