These are the Hoard numbers a Dragon should have according to their adventure lv.
1 : 100
2 : 200
3 : 300
4 : 400
5 : 500
6 : 600
7 : 700
8 : 800
9 : 900
10 : 1000
11 : 2600
12 : 4200
13 : 5800
14 : 7400
15 : 9000
16 : 10600
17 : 12200
18 : 13800
19 : 15400
20 : 17000
21 : 25100
22 : 33200
23 : 41300
24 : 49400
25 : 57500
26 : 65600
27 : 73700
28 : 81800
29 : 89900
30 : 98000
31 : 123600
32 : 149200
33 : 174800
34 : 200400
35 : 226000
36 : 251600
37 : 277200
38 : 302800
39 : 328400
40 : 354000
41 : 416500
42 : 479000
43 : 541500
44 : 604000
45 : 666500
46 : 729000
47 : 791500
48 : 854000
49 : 916500
50 : 979000
51 : 1108600
52 : 1238200
53 : 1367800
54 : 1497400
55 : 1627000
56 : 1756600
57 : 1886200
58 : 2015800
59 : 2145400
60 : 2275000
61 : 2515100
62 : 2755200
63 : 2995300
64 : 3235400
65 : 3475500
66 : 3715600
67 : 3955700
68 : 4195800
69 : 4435900
70 : 4676000
71 : 5085600
72 : 5495200
73 : 5904800
74 : 6314400
75 : 6724000
76 : 7133600
77 : 7543200
78 : 7952800
79 : 8362400
80 : 8772000
81 : 9428100
82 : 10084200
83 : 10740300
84 : 11396400
85 : 12052500
86 : 12708600
87 : 13364700
88 : 14020800
89 : 14676900
90 : 15333000
91 : 16333000
92 : 17333000
93 : 18333000
94 : 19333000
95 : 20333000
96 : 21333000
97 : 22333000
98 : 23333000
99 : 24333000
100 : 25333000
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How hoard works:
You can put stuff in your hoard by dragging it onto the hoard picture at the bottom of the equipment window, or by right-clicking an inventory item and selecting hoard. You can also hoard raw coin at the rate of 10c per 1 point of hoard (not recommended). You can hoard money, scales, spells, tools, potions, weapons, jewelery, armor, trophy tokens, and special high-hoard value loot that drops from monsters (Bells, Coffers, Urns and the like)
There is no limit to the amount of hoard you can have at any one time, however you only get a passive benefit from the number of hoard increments equal to your adventure level. So if you are a level 12 adventure you can get the bonus from the first 12 hoard increments if you have enough hoard.
Each hoard increment gives you +4 armor and +1 breath of fire damage, with an "effective" cap of 25.3M
Hoard also serves two other important functions:
1. You need to have a minimum of 250,000 hoard as one of the requirements to begin the Rite of Passage Epic Quest (RoP) to become an Adult Dragon. There is no further hoard req to become an Ancient Dragon
2. Hoard serves as ammunition to a number of special abilities, including some of a Dragon's strongest attacks: Gold Rage (high dam/debuff melee attack), Silver Strike (solid dam minor multistrike) and Shield of Gold (dam absorbtion buff). And apon Ancient status, Primal Rebirth (dragon rez), Dragon Fear (single target 45sec mez), Flame Burst (high dam AE breath weapon), Drain Strike (note only the ancient version uses hoard)