Set in the modern day, only a small portion of the population is aware of magic and some of them has unlocked their innate magic potential at a young age. There is a governing body that ensure fair usage and treatment of magic and a law enforcement unit to prosecute those who abuse magic, enough said there is only 1 magic currency system in this world and it is cap at a specific amount so that the combined currency is alway constant. The form of magic currency itself is ethereal, intangible, nign indestructible and can only be materialised by synchronisation of 2 or more willing parties so theft and robbery are rare. If a certain individual who is believed to show an affinity to magic will see the council elders to unlock their innate ability to command magic as well as opening a magic currency account during the session, the individual can then transact magic currency with others. Despite there are some gifted who can topple mountains and overturn the sea, why are they still limited by this currency cap?
E.g. A person opens a magic account with zero balance so everyone involves in the synchronisation can see each other body glowing in different colours but the outside observer would see a rich purple pulsating at very high frequency which tally with their combined net worth. To the elder the person is emitting a faint red glow indicating no balance in magic account.