Editor's Note: APYs listed in this article are up-to-date as of the time of publication. They may fluctuate (up or down) as the Fed rate changes. CNBC Select will update as changes are made public.

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"Fetch data from Endpoint A." "Transform it using Logic B." "Send it to Service C." These "pipes" are laid hard and fast. If the data schema changes, or the business question evolves, the code breaks.