This nickel has an even, crinkly finish, like a very delicate foil was even more delicately crumpled. Definitely isn't glossy or matte, but is also definitely not merely roughed up by outside forces. Even the side of the edge/border is crinkled all the way around. It reminds me of a finishing style I've seen used on cheap metal objects...perhaps similar to the surface of a piece of metal pipe for plumbing?
Tomorrow, I'll try rotating the coin by a quarter-turn and re-scanning to see if the light hits it any better for showing it. There's a line (more of an implied line) on the reverse as if the light hits from slightly different angles on the different sides of the line.
Meanwhile, I'm hoping someone will have an educated guess about what might do this to 100% of a coin's surface.