Looks like PMD (Post mint damage) IMO. Weighing the coin is a good place to start. Also I would expect the layer to be missing on all devices in the area in question. Tops of devices in your pic appear to still have the clad layer.
10 cents. You can weigh it to make sure. Dimes weigh 2.27 grams. With that much clad layer missing, it would weigh 2.00 or less.