Answer:
It's black and every time it speaks it says its name.
A warrior among the flowers, he bears a thrusting sword. He uses it whenever he must, to defend his golden hoard.
It rows quickly with four oars but never comes out from under his own roof. What is it?
The homes of tiny creatures that collect in corners if you aren't vigilant about dusting.
What goes in the water black and comes out red?
I am the fountain from which no one can drink. For many I am considered a necessary link. Like gold to all I am sought for, but my continued death brings wealth for all to want more.