The pragmatic language the web runs on.

<?php

final class Money
{
    public function __construct(
        public readonly int $amount,
        public readonly string $currency = 'USD',
    ) {}

    // property hook — computed, read-only
    public string $display {
        get => number_format($this->amount / 100, 2)
              . " {$this->currency}";
    }
}

$price = new Money(amount: 4_999);
echo $price->display;   // 49.99 USD