Stokes Art Jewelry - Fine Silver Necklaces. Fine Silver is a term used for silver that is 99.9% pure silver. Because of the purity of the silver it does not tarnish at the same rate (we haven't seen it tarnish) as sterling silver which is only 92.5% silver. Any color (refered to as "Patina") that appears on the Fine Silver Jewelry has been added by the artist.