Abstract: An instrument and method for the removal of a scratch-off coating of a scratch-off card or device utilizes a barrel having a hollow interior and an exterior configured for grasping in the hand. A solvent capable of dissolving the scratch-off coating upon contact therewith is contained within the interior of the barrel. A nib is coupled to and extending from the barrel and is in fluid communication with the solvent within the interior of the barrel. The nib is configured for delivering an amount of solvent to an exposed tip of the nib sufficient to dissolve the scratch-off coating when applied thereon. By contacting the nib of the instrument to a scratch-off coating of a scratch-off card or device, the nib delivers an amount of solvent to the exposed tip of the nib to dissolve the scratch-off coating to reveal an underlying substrate of the card or device without forming numerous particles or loose portions of the removed coating.