Ehhh, you totally seem to miss the point. It's not about making a single payment, but automating that without any user interaction in between.
Simple example: I want to build a arbitrage trading bot that can automatically request my bank to wire money to some address so I can have my funds on an exchange topped up. That's not gonna be possible without an API.
Simple example: I want to build a arbitrage trading bot that can automatically request my bank to wire money to some address so I can have my funds on an exchange topped up. That's not gonna be possible without an API.