Spinning Silver by Naomi Novik
Miryem is the daughter and granddaughter of moneylenders, but her father’s inability to collect his debts has left his family on the edge of poverty—until Miryem takes matters into her own hands. Hardening her heart, the young woman sets out to claim what is owed and soon gains a reputation for being able to turn silver into gold. When an ill-advised boast draws the attention of the king of the Staryk—grim fey creatures who seem more ice than flesh—Miryem’s fate, and that of two kingdoms, will be forever altered. She will face an impossible challenge and, along with two unlikely allies, uncover a secret that threatens to consume the lands of humans and Staryk alike.