(Un)EZ Cred
Urban Fantasy Dystopian Future decades after a War of the Worlds type Alien encounter on Earth. Nations and traditional governments fell due to the war and targeting by aliens. Corporations reacted first in the aftermath and usurped power and became "governments". Not only did our native viruses and bacteria kill the invaders, but the invaders brought their own viruses, technology, and specimens that devasted our world.
AMONG the biggest was activation of dormant genes giving about 10% of the population some form of "magical" abilities. Another was changing about 50% of the population into various races resembling those from fantasy such as elves, dwarfs, orks and trolls. Their technology was amassed from across the galaxy and stolen without knowing all the consequences of its use or having paid the price to learn it. Nano technology seems to have been in common use by the aliens. The corporations and even a few individuals who first explored the alien ships after the war leveraged discovered loot into power and position.
THE gap between rich and poor widened considerably, with the rich becoming bigger and better exploiters and while the exploited did anything to try to survive.