Treasure hunter Ben "Finn" Finnegan has sunk his marriage to Tess and his trusty boat in his obsessive quest to find the legendary Queen's Dowry. When he finds a vital clue that may finally pinpoint the treasure's whereabouts, he drags Tess and her boss, billionaire Nigel Honeycutt, along on the hunt. But Finn is not the only one interested in the gold; his former mentor-turned-enemy Moe Fitch, hired by rapper-turned-gangster Bigg Bunny, will stop at nothing to beat him to it.

Laurent van Horn is the leader of a band of Dutch refugees on a ship seeking freedom in the Carolinas, when the ship is wrecked on the coast of Cartagene, governed by Don Juan Alvardo, a Spanish ruler. Alvarado has Laurent thrown in prison, but the latter escapes, and five-years later is a pirate leader. He poses as the navigator on a ship in which Contessa Francesca, daughter of a Mexican noble, is traveling on her way to marry Alvarado, whom she has never seen. Laurent's pirates capture the ship and Francesca, in order to save another ship, gives her hand-in-marriage to Laurent, who sails her to the pirate hideout. This irks his jealous pirate comrades Anne Bonney and Captain Benjamin Black. They overpower Laurent and send Francesca to Alvarado, and then Mario du Billar, a trusted right-hand man, makes a deal to deliver Laurent to Alvarado.