NumberToWords = LAMBDA(DNumValue, CUR, DecimalCUR, DecimalCURPlace,
LET(
    NumValue, INT(DNumValue),
    Words1,IFS(
    len(NumValue)=1,GetDigit(value(NumValue)) & " " & CUR,
    len(NumValue)=2,GetTens(value(NumValue))& " " & CUR,
    len(NumValue)=3,GetHundreds(value(NumValue))& " " & CUR,
    len(NumValue)<=6,GetHundreds(VALUE(left(NumValue,len(NumValue)-3))) & " Thousand " & GetHundreds(value(NumValue))& " " & CUR,
    len(NumValue)<=9,GetHundreds(VALUE(left(NumValue,len(NumValue)-6))) & " Million " & GetHundreds(VALUE(left(NumValue,len(NumValue)-3))) & " Thousand " & GetHundreds(value(NumValue))& " " & CUR,
    len(NumValue)<=12,GetHundreds(VALUE(left(NumValue,len(NumValue)-9))) & " Billion " & GetHundreds(VALUE(left(NumValue,len(NumValue)-6))) & " Million " & GetHundreds(VALUE(left(NumValue,len(NumValue)-3))) & " Thousand " & GetHundreds(value(NumValue))& " " & CUR),    
    Words, Words1 & " "& GetDecimal(DNumValue,DecimalCURPlace,DecimalCUR),
    Words
)
);

GetDecimal =LAMBDA(NumberVal,DecimalCURPlace, DecimalCUR,
LET(
    DecPlace, IFERROR(SEARCH(".",VALUE(NumberVal),1),0),
    DecP, IF(DecPlace>0,"and "& GetHundreds(Left(Mid(VALUE(NumberVal), DecPlace + 1,DecimalCURPlace) & "00", DecimalCURPlace)) & " " & DecimalCUR,""),
    DecP
)
);

GetHundreds = LAMBDA(HundNum,
LET(
    HundNum, RIGHT("000" & HundNum,3),
    Hundreds0, If(value(Mid(HundNum, 1, 1)) <> 0, GetDigit(value(Mid(HundNum, 1, 1))) & " Hundred ",),
    Hundreds, If(value(Mid(HundNum, 2, 1)) <> 0, Hundreds0 & GetTens(value(Mid(HundNum, 2,2))),Hundreds0 & GetDigit(value(Mid(HundNum, 3,3)))),
    Hundreds
)
);

GetDigit = LAMBDA(Digit,
LET(
    TDigit, SWITCH(Digit,1,"One",2,"Two",3,"Three",4,"Four",5,"Five",6,"Six",7,"Seven",8,"Eight",9,"Nine",""),
    TDigit
));

GetTens = LAMBDA(Tens,
LET(
    TTens, IF(value(LEFT(Tens,1))=1,
        SWITCH(Tens,10,"Ten",11,"Eleven",12,"Twelve",13,"Thirteen",14,"Fourteen",15,"Fifteen",16,"Sixteen",17,"Seventeen",18,"Eighteen",19,"Nineteen"),
        TEXTJOIN(" ",,SWITCH(value(LEFT(Tens,1)),2,"Twenty",3,"Thirty",4,"Forty",5,"Fifty",6,"Sixty",7,"Seventy",8,"Eighty",9,"Ninety"),GetDigit(value(RIGHT(Tens,1))))
    ),
    TTens
)
);