On boards, I have never seen silver used for things like traces. In my experience, it just doesn't exist. Over time, silver would tend to migrate though the board material and cause partial shorts. Bonding wire is most always 99.99% gold (yellow) or aluminum (white) - never silver. I have heard of copper bonding wire but it's quite rare and I've never seen it. The white traces on boards are either tin or, on the older stuff, sometimes 60/40 tin/lead plate over the copper.