A single-layer coating and a multi-layered water-borne surface coating system that can be applied as a decorative surface coating by professional painting contractors, and do-it-yourself home remodelers, on interior decorative surfaces (e.g., walls, ceilings, partitions, archways, etc.) that provides a reflective "sparkling" finish once it has air dried. The continued development of new and different architectural coatings products has been a prime focus for all coating manufacturers. The development of specialized coating products that can be applied by both the professional painting contractors and experienced do-it-yourself home remodelers has been the focus of much attention and development. The interior decorative surface coating described herein is uniquely qualified to fill this very important niche market.