On the one hand, it&#x27;s obnoxious to create an API and encourage developers to use it, then pull the plug.  On the other hand, APIs that process payments are a way to steal money, and tougher standards are necessary. Venmo has had security problems and fraud problems.  Putting a fourth party in the chain (Venmo itself is a third party; it&#x27;s not a bank, it&#x27;s an external ACH transaction generator) makes it tough to allocate blame when something goes wrong.