Pact of Disintegration

(This card is white and black. Whenever you cast a
pact, you may not cast another until beginning of your
next upkeep)
Piercing (this spell can target permanents with
hexproof and shround)
Exile target permanent.
At the beginning of your next upkeep, pay {1}{w}{b}. When you do, target opponent copies
this spell, except it doesn't have this ability. If
you don't, you lose the game.