I'm sorry, @CactusJack, but this card is not better than Kati. It's substantially worse. In fact, I find this card to be unplayably bad.
But I don't think Kati is the right comparison anyway. Kati is persistent clicked economy--spaced out over several turns, sure, but ultimately you're trading clicks for credits at a more efficient rate. Algo Trading is more along the lines of Daily Casts: a card that pays off a set amount every turn, and eventually goes away.
And in that comparison, Algo Trading is simply untenably bad.
Let's look at Daily Casts in detail first to get a baseline. The turn you install it, you've spent a click and 3 for no gain. Valuing clicks and credits equally, that's a tempo hit of 4. Your next turn, you get 2 back; you're still in the hole, but only by half as much. Two turns after install, you break even. Then the following turns you go up to +2 and finally +4 before the card finished off, for a total economic value of 4.
We can then describe the payout structure over time as {-4,-2,0,+2,+4,+4,+4...}. I've repeated the +4 payout at the end to show that, once it's gone, it's gone and will neither cost you anything nor return you anything extra.
What does Algo Trading's payout structure looks like? Well the first three turns are pretty clear. The turn you install it, you're down a click, which is a credit, so that's -1. The next turn, you have to funnel in another 3, lowering you to a -4 payout. The turn after, you do it again, putting you to -7. So far, that's pretty dang terrible--a Daily Casts would have already broken even and you're 7 credits in the red.
"Now hold on," you might say. "You aren't technically spending these credits--how is that fair?" True, you aren't spending them, per se, but any credits hosted on Algo Trading can't be spent installing icebreakers, playing other economy cards, or spent making runs. And if you get tagged, they're toast. For all intents and purposes, you're spending them, and then regaining them when (and if) you cash in.
So when do you cash in? Well, since it will take you a click to install and a click to cash in, there's no point in doing so for a 2 net gain--that's no better than clicking for credits. Waiting one more turn (to get two 2 gains) isn't much better--you could have gotten the same benefit from playing an Easy Mark and clicking for credits without all the waiting.
Even waiting three additional turns, for a 6 gain, isn't good enough-- the pattern of returns then looks like {-1,-4,-7,-7,-7,+4}. Even though it does, eventually, hit the total net return as Daily Casts, it takes an extra turn to get there, and you're going to be strapped for cash until then. That's simply not good enough.
So you would need to wait a minimum of 4 turns beyond the initial stock-up rounds. This puts the payout structure as {-1,-4,-7,-7,-7,-7,+6}.
Now, an economic value of +6 is pretty okay. But that gain is happening so fair in the future--six turns into the future, in fact, so really you're only making 1 credit a turn. I repeat, though--this isn't the same as a steady drip of one real credit a turn (like Underworld Contact or Data Folding) because you can't spend it. You're tying up your assets in a non-liquid state. And by doing so, the corp is going to either punish you for being broke, or force you to cash in too early and take a sub-optimal payout.
Maybe it could work in Nasir.Nasir is the only runner who gets value from offshoring his money, because it gives him a higher return potential when he facechecks ice. Nasir might even want to store MORE than the startup capital of 6 on Algo Trading, just so that it's cleared away when he hits ice. And then, once all the ice is rezzed, he can take it back, plus interest. But Nasir is not, has never been, and is unlikely to ever be even remotely competitive; we're throwing two bad cards together to get a mediocre outcome.
If you're truly desperate for some clickless drip, then I would recommend Zona Sul Shipping over Algo Trading in a heartbeat. The cost to set it up is so much lower, and you can use it more than once. Yeah, it dies if you're tagged, but if you think a corp wouldn't tag you and kill an Algo Trading with 14+ credits on it, then you're wrong.