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Unlike the Wooden Chest, the Silver Chest requires you to solve a puzzle game, either Shock-a-Lock or Catch a Key, in order to receive its rewards, though its rewards are greater than the standard Wooden Chest.
Wizards who open the chest and solve the puzzle will always be rewarded with gold, the amount of which is greater in higher level areas, and almost always will receive a treasure card! In Celestia and the Wintertusk expansion, the Silver Chest can also reward the solver with multiple reagents, including the rarest ones.