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Kill as many monsters as you possibly can. It is farming a bit for harvesting ingredients, but some ingredients are worth a lot of Crowns! If you have more than 10 of any ingredient or otherwise monster parts, sell them to Alchemists or Herbalists. I had something like 60 harpy claws, 45 harpy feathers, and 100 drowned brains. I made close to 8,000 crowns off of that; maybe closer to 10,000.
Always convert currency. Never buy armor or swords outright, unless you just have to have it. Do not buy horse gear ever! Win it in horse races. The exception to this rule applies to the Oferi gear and associated achievement.
Play a lot of Gwent. Once you've built a respectable deck, it's easy to win. Participate in fights. Always bet the most that you can.
I was sitting on close to 80,000 crowns without any mods or hardly any Gwent when I completed my first play through.
You know I had thought this too, so I tested it a while back and to my disappointment found that the wealthier blacksmiths and armorers do not offer more coin than do the peasantry equivalents.
By that route, it'd be easier to use console commands for that same amount, even more than that.
The blacksmith in Oxenfurt is an exception though. He pays easily 50 crowns more for weapons.
I will definitely check this out. When I did this test, the game was at patch 1.07, maybe it had something to do with it, but I'll compare again. Then if he does offer a significant sum more, I'll just make sure to travel to Oxenfurt.