Humans Humans are the remnants of the pre-apocalypse world. They are scavengers and nomads and rarely stay in one place for prolonged periods of time, but do not go down easily. They make up their lack of unique mutant traits with clever technology such as boot rocket jets, to help them move around the annihilated cities and deserts more easily.
Humans as a whole don't have a single leader. They usually travel in convoys of armored trucks and quads, commanded by the guy with the best gun, which is usually the object of worship of the rest of the convoy.
Humans' primary currency are 9mm Parabellum cartridges, as they tend to engage at medium-range combat where their preferred guns, the Uzis, are the most effective.
(Analogues of humans in most common fantasy settings.)
FrogsFrogs were the first sentient mutant race to appear on Earth. Afraid of the sun (and cold) they spend most of the time deep underground in train and subway stations, and bunkers, and wear hoods when on the surface to avoid the hot sun. Slow but tough, frogs are a tough challenge to anyone foolish enough to underestimate them based on their size, before they realize they can jump over a small house and land safely on the other side with your stuff running to their guntrain.
Frogs live in underground vaults interconnected by railways and each vault is governed by a single frog mayor, elected in a relatively calm manner (read: whoever survives a shootout between the candidates).
Frogs' most commonly used currency are the 12-gauge shotgun shells, as the shotguns are invaluable in the tight underground corridors.
(Analogues of dwarves in most common fantasy settings.)
BirdfolkThe birdfolk are a rather savage group of various races of birds, living above all other mutants, not really caring about their problems. Except for the times they do. And they're dead serious about it. With mighty-looking airships and hoverboards for swift overground movement, birds can easily outspeed most opposition before they realize they're under attack and run away unscathed. However they can't take much abuse before dropping dead so they must use their speed and agility to their best advantage.
The birdfolk are splintered into multiple sky kingdoms, each with their own monarch ruling over the rest from their giant airships.
As they tend to engage in at long distances, birds are the most willing to accept the titanium arrows as their currency.
(Analogues of elves in most common fantasy settings.)