algorithmic transparency 2025-10-28T03:06:44Z

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Rain lashed against my studio apartment window as I stared at my bank statement glowing on the tablet – that pitiful 0.5% interest felt like a cruel joke. For months, I'd watched inflation devour my emergency fund while brokerage apps demanded $500 minimums I couldn't scrape together. Then came Tuesday's transit meltdown: stranded on Platform 3, scrolling through finance subreddits in frustration, when someone mentioned an app letting you start with spare change. Skepticism warred with desperati