function formatCurrency(amount, decimals, currency = 'USD') {
const value = amount / Math.pow(10, decimals);
return new Intl.NumberFormat('en-US', {
style: 'currency',
currency: currency,
minimumFractionDigits: 2,
maximumFractionDigits: 2
}).format(value);
}
formatCurrency(9850000000, 6, 'USD'); // "$9,850.00"