def api_wallet_translate_gold(value):
    """Translate a value into string of money"""
    if value >= 10000:  # Gold
        return ("{0} gold, {1} silver and {2} copper."
                .format(str(value)[:-4], str(value)[-4:-2], str(value)[-2:]))
    elif value >= 100:  # Silver
        return "{0} silver and {1} copper.".format(str(value)[-4:-2], str(value)[-2:])
    else:  # Copper
        return "{0} copper.".format(str(value)[-2:])

coins = [
    ("gold",  100 * 100),
    ("silver", 100),
    ("copper", 1)
]

def translate_coins(value, coins):
    res = {}
    for coin, v in coins:
        res[coin], value = divmod(value, v)
    return res

translate_coins(1013323, coins)

{'gold': 101, 'silver': 33, 'copper': 23}

class Currency(object):

    COPPER_CONVERSION_MAP = {
        'copper': 1,
        'gold': 100 * 100,
        'silver': 100
    }
    gold = 0
    silver = 0
    copper = 0

    def __init__(self, copper=0, silver=0, gold=0):
        # convert all inputs into copper
        self.copper = (
            copper +
            silver * self.COPPER_CONVERSION_MAP['silver'] +
            gold * self.COPPER_CONVERSION_MAP['gold']
          )
        self.break_currency()

    def break_currency(self):
        for coin_type in ['gold', 'silver']:
            coins, coppers = divmod(self.copper, self.COPPER_CONVERSION_MAP[coin_type])
            setattr(self, coin_type, coins)
            self.copper = coppers

    def __str__(self):
        return '{:,} gold, {:,} silver and {:,} copper'.format(self.gold, self.silver, self.copper)

>>> c = Currency(copper=653751735176)
>>> str(c)
'65,375,173 gold, 51 silver and 76 copper'
>>> c.copper
76
>>> c.silver
51
>>> c.gold
65375173