We develop new algorithms for Quantum Singular Value Transformation (QSVT), a unifying framework that encapsulates most known quantum algorithms and serves as the foundation for new ones. Existing implementations of QSVT rely on block encoding, incurring an intrinsic $O(\log L)$ ancilla overhead and circuit depth $\widetilde{O}(L dλ)$ for polynomial transformations of a Hamiltonian $H=\sum_{k=1}^L H_k$, where $d$ is the polynomial degree and $λ=\sum_{k}\|H_k\|$. We introduce a simple yet powerful approach that utilizes only basic Hamiltonian simulation techniques, namely, Trotter methods, to: (i) eliminate the need for block encoding, (ii) reduce the ancilla overhead to only a single qubit, and (iii) still maintain near-optimal complexity. Our method achieves a circuit depth of $\widetilde{O}(L(dλ_{\mathrm{comm}})^{1+o(1)})$, without requiring any complicated multi-qubit controlled gates. Moreover, $λ_{\mathrm{comm}}$ depends on the nested commutators of the terms of $H$ and can be substantially smaller than $λ$ for many physically relevant Hamiltonians, a feature absent in standard QSVT. To achieve these results, we make use of Richardson extrapolation in a novel way, systematically eliminating errors in any interleaved sequence of arbitrary unitaries and Hamiltonian evolution operators, thereby establishing a general framework that encompasses QSVT but is more broadly applicable. As applications, we develop end-to-end quantum algorithms for solving linear systems and estimating ground state properties of Hamiltonians, both achieving near-optimal complexity without relying on oracular access. Overall, our results establish a new framework for quantum algorithms, significantly reducing hardware overhead while maintaining near-optimal performance, with implications for both near-term and fault-tolerant quantum computing.