Root partners with Standard Bank South Africa to offer programmable bank account(iafrikan.com)

    safe_margin = rent + food + 500
    emergency_fund_bal = monthly_salary * 3

    // pay all credit cards if I can
    sort(my_credit_cards, apr) 
    for (cc in my_credit_cards) {
      if (cc.statement_bal == 0 || cc.paid) skip
      if (checking.bal - cc.statement_bal - safe_margin >= 0) {
        pay(to=cc, from=checking, amount=cc.statement_bal);
        cc.paid = 1
      } else if (checking.balance > cc.min_pay)  {
        pay(to=cc, from=checking, amount=cc.min_pay)
      }
    }

    // refill the emergency funds if needed and can
    if (savings.bal < emergency_fund_bal && checking.bal > safe_margin) {
      transfer(from=checking, to=checking, 
        amount=min(
          emergency_fund_bal - savings.bal, 
          checking.bal - safe_margin)
       )
    }

    // invest the rest
    if (checking.bal > safe_margin) {
      invest(checking.bal - safe_margin)
    }