问HN：你会信任软件自动管理和优化你的资金吗？
嗨，HN，
我正在开发一款消费金融科技产品，旨在充当一个自主的财务副驾驶。
这个想法在理论上很简单：与需要用户不断输入的仪表板、警报或预算工具不同，该系统实际上会代表用户执行财务操作，例如在账户之间转移现金、优化储蓄、分配资金以及自动化日常财务决策。
我们的目标是减少财务决策的疲劳。大多数人知道应该如何处理金钱，但由于时间、压力或复杂性，往往无法始终如一地做到。
我非常希望能得到反馈，请尽可能直言不讳。
谢谢。
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Hi HN,<p>I’m building a consumer fintech product that acts like an autonomous financial copilot.<p>The idea is simple in theory: instead of dashboards, alerts, or budgeting tools that require constant user input, the system actually executes financial actions on the user’s behalf, e.g. moving cash between accounts, optimizing savings, allocating funds, and automating routine financial decisions.<p>The goal is to reduce financial decision fatigue. Most people know what they should do with money, but not consistently due to time, stress, or complexity.<p>Would love to get feedback and please do be harsh as possible when you're giving one.<p>Thanks.