Credit Transfer 2025-11-05T09:53:39Z

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Rain lashed against my apartment windows like tiny fists as I paced the living room floor, phone clutched in a sweaty grip. Carlos, my oldest friend stranded in Buenos Aires after a mugging, sounded hollow through the static. "They took everything, man. Passport, cards, even my damn shoes." His voice cracked – a sound I hadn't heard since his father's funeral. My banking app mocked me with cheerful icons while hiding transfer fees in microscopic text. Three business days? Carlos was sleeping in

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