A penguin must walk their puffle across the snowy island of Club Penguin. Eventually your puffle will start digging under the snow. You will get a small message saying "[your puffles name] found Treasure!" along with a small pop-up to tell you how many coins. When your puffle finds these hidden coins, they go directly into your inventory.
Here is the message that comes up. When you see it on CP, you can click "Ok" to dismiss it.
The tab to tell you how many coins your puffle found.
As you can see above, Club Penguin have also included this game in the Puffle Handbook in the Pet Shop, to let more penguins know.
I find that puffles have traits similar to real life pets. Dogs are capable of digging underground to find bones, like puffles find treasure! My puffle is called Jelly. What's yours called?
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-Dino Boy7, Club Penguin Cheats