Looking at the website for it the coin is from the official Royal Mint and is officially currency. I've been learning and collecting up silver for a few months now and I have a handful of Royal Mint Silver Britannias. A Britannia has a face value of 2 pounds and is an ounce of silver. The coin value is a very small piece of it. I think the last Britannias I bought I paid around $4.50 over silver price for them. The coin value is really in the ease of authentication for trading purposes. I'm paying $32 for $27 of silver.

The difference with even the most legit commemorative coins is they have so much value in the coinage and not the metal. If this ugly diversity coin is like their other 50 pence coins then it's a little under a 1/4 oz of silver. Which means the metal in it is worth about $7. I think they are mostly pure silver at least and not clad, but they are tiny and sell for $100 or more. So you're paying $100 for $7 of silver and whatever negative value "muh diversity" adds to it.

Even if you want to collect commemorative coins it's such a horrible deal they are peddling to idiots. For example, I've thought about getting an Apollo 11 commemorative coin. They are about $300 but at least they are a bigass 5oz coin that would actually be substantial to hold and impressive to look at. They've got almost $150 worth of silver value in them too. That diversity coin could be the coolest design ever made, and it's still barely bigger than a quarter.