At these speeds, Newtonian physics does not make accurate predictions; you need to use relativistic mechanics. In relativistic mechanics, (one-dimensional) velocity addition is not a numerical sum, but follows a nonlinear formula: u(+)v = (u+v)/(1+(uv/c^2)). So while the coin is moving at 0.02m/s in the craft's frame of reference, in the outsider's "stationary" frame the coin's velocity is less than 0.00000000001m/s greater than the craft's, and still slower than light.