RE: now think to the silver coins, their peices of silver right? Ok silver particles are peices of silver right? Not ions not anything other than small peices of silver, someone correct me if im wrong

The first thing to note is that the nature of the chemical interactions between microorganisms and silver are ultimately ionic regardless of the type of solution(ionic or particular). Therefore, the common oversight with HVAC type solutions(or particulate) is where the ionic exchange comes as a secondary reaction in contrast to the ionic solutions, which usually contain a predominant ion to particulate ratio. 

With that being said, when silver is placed in solutions such as water, milk, etc, the media makes it possible for the silver to exchange ions with the microbes and bacteria present in the solution.  And so with respect to your initial question, the answer is that the process from which the silver interacts with organisms remains ionic. 

Therefore, the question as to why some Colloidal Silver manufacturers promote particulate solutions over ionic ones now comes-up. That is to say, if the working principals of colloidal silver is always ionic, then why promote microparticles solutions when we can deal delivery the payload directly? 

And the answer is, that some manufacturers believe that it is better to deliver the charge through a stable medium(neutral particles) than with positively charged ions. Which are said to be far more susceptible to reduction under reactive conditions. - such as the gut for example.  To which I'd add, would seem like a rather reasonable conclusion at first glance. 

What's interesting however is that these conclusions do not account for alternate intake methods such as; transdermal or inhalation and the numerous other applications that would otherwise preclude the gut. In addition to this, controlled testing suggests that the gains brought about with the added persistence of elemental silver may not offset the loss in effectiveness. That is to say, that the advantages in the gut, seem offset by the losses in transdermal efficacy. Which leads me to conclude that it is best to choose the right solution for the application. 

- hope this helps