--- title: "Meaning & Key Takeaway of: Any competent programmer has an API to…" description: "\"Any competent programmer has an API to cash, payments, escrow, wills, notaries, lotteries, dividends, micropayments, subscriptions, crowdfunding, and m..." image: "https://sms4smile.com/quotes/i/7c7/naval-ravikant-11450_cash_any-competent-programmer-has-an-api-to-c_2666995.jpg" --- # Any competent programmer has an API to cash, payments… ![“Any competent programmer has an API to cash, payments, escrow, wills, notaries, lotteries, dividends, micropayments, subscriptions, crowdfunding, and more.” quote by Naval Ravikant](https://sms4smile.com/quotes/i/7c7/naval-ravikant-11450_cash_any-competent-programmer-has-an-api-to-c_2666995.jpg) [Download](https://sms4smile.com/quotes/i/7c7/naval-ravikant-11450_cash_any-competent-programmer-has-an-api-to-c_2666995.jpg) [Open image](https://sms4smile.com/quotes/i/7c7/naval-ravikant-11450_cash_any-competent-programmer-has-an-api-to-c_2666995.jpg) > “Any competent programmer has an API to cash, payments, escrow, wills, notaries, lotteries, dividends, micropayments, subscriptions, crowdfunding, and more.” [Naval Ravikant](https://sms4smile.com/quotes/author/naval-ravikant/) ## About This Quote This interpretation was drafted with AI assistance. It is one reading of the quote, not the author's own explanation. Programmers should master APIs for finance, escrow, wills, lotteries, etc. **In simple terms:** Programmers need financial API expertise. Key Takeaway Learn financial tech APIs. Themes programming finance infrastructure Mood practical forward‑looking Type technical advisory When to use this quote - startup building - fintech development - contract creation - investment platforms Key Concepts blockchain decentralized finance automation Questions to Reflect On - Which API is most critical? - How to secure financial data? A Different Perspective Complexity can overwhelm without clear design. ★ ★ ★ ★ ★ No ratings yet [Dividends](https://sms4smile.com/quotes/about/dividends/) [Programmer](https://sms4smile.com/quotes/about/programmer/) [Programming](https://sms4smile.com/quotes/about/programming/) [Technology](https://sms4smile.com/quotes/about/technology/) ## Related quotes > [Besides a mathematical inclination, an exceptionally good mastery of one's native tongue is the most vital asset of a competent programmer.](https://sms4smile.com/quotes/anonymous/besides-a-mathematical-inclination-an-exceptionally-good-mastery-of/) [Anonymous](https://sms4smile.com/quotes/author/anonymous/) > [The effective exploitation of his powers of abstraction must be regarded as one of the most vital activities of a competent programmer.](https://sms4smile.com/quotes/edsger-dijkstra/the-effective-exploitation-of-his-powers-of-abstraction-must-be/) [Edsger Dijkstra](https://sms4smile.com/quotes/author/edsger-dijkstra/) > [Because of the nature of Moore's law, anything that an extremely clever graphics programmer can do at one point can be replicated by a…](https://sms4smile.com/quotes/john-carmack/because-of-the-nature-of-moore-s-law-anything-that-an-extremely/) [John Carmack](https://sms4smile.com/quotes/author/john-carmack/) > [The competent programmer is fully aware of the limited size of his own skull. He therefore approaches his task with full humility, and avoids…](https://sms4smile.com/quotes/edsger-dijkstra/the-competent-programmer-is-fully-aware-of-the-limited-size-of-his/) [Edsger Dijkstra](https://sms4smile.com/quotes/author/edsger-dijkstra/) > [The competent programmer is fully aware of the strictly limited size of his own skull; therefore he approaches the programming task in full humility,…](https://sms4smile.com/quotes/edsger-dijkstra/the-competent-programmer-is-fully-aware-of-the-strictly-limited-size/) [Edsger Dijkstra](https://sms4smile.com/quotes/author/edsger-dijkstra/) > [All things must; man is the only creature that wills.](https://sms4smile.com/quotes/friedrich-schiller/all-things-must-man-is-the-only-creature-that-wills/) [Friedrich Schiller](https://sms4smile.com/quotes/author/friedrich-schiller/) > [Women must have their wills while they live, because they make none when they die.](https://sms4smile.com/quotes/proverb/women-must-have-their-wills-while-they-live-because-they-make-none/) Proverb > [Aircraft do not crash of themselves. They come to grief because men are foolish, or vain, or lazy, or irresolute or reckless. One crash…](https://sms4smile.com/quotes/nevil-shute/aircraft-do-not-crash-of-themselves-they-come-to-grief-because-men/) [Nevil Shute](https://sms4smile.com/quotes/author/nevil-shute/) > [I will see you tomorrow, if God wills it.](https://sms4smile.com/quotes/pope-john-paul-i/i-will-see-you-tomorrow-if-god-wills-it/) [Pope John Paul I](https://sms4smile.com/quotes/author/pope-john-paul-i/) > [Nothing can resist the will of man when he knows what is true and wills what is good.](https://sms4smile.com/quotes/eliphas-levi/nothing-can-resist-the-will-of-man-when-he-knows-what-is-true-and/) [Eliphas Levi](https://sms4smile.com/quotes/author/eliphas-levi/) > [Everything is possible to him who wills only what is true! Rest in Nature, study, know, then dare; dare to will, dare to act…](https://sms4smile.com/quotes/eliphas-levi/everything-is-possible-to-him-who-wills-only-what-is-true-rest-in/) [Eliphas Levi](https://sms4smile.com/quotes/author/eliphas-levi/) > [God wills in man only that which is good, in the kingdom of his grace; where the free will yields itself up into the…](https://sms4smile.com/quotes/jakob-bohme/god-wills-in-man-only-that-which-is-good-in-the-kingdom-of-his-grace/) [Jakob Bohme](https://sms4smile.com/quotes/author/jakob-bohme/) > [If God himself wills such misery on people whom I love, then I say I will deal with him](https://sms4smile.com/quotes/eldridge-cleaver/if-god-himself-wills-such-misery-on-people-whom-i-love-then-i-say-i/) [Eldridge Cleaver](https://sms4smile.com/quotes/author/eldridge-cleaver/) > [I like to interpose in all of my appointments, if the Lord wills.](https://sms4smile.com/quotes/a-b-simpson/i-like-to-interpose-in-all-of-my-appointments-if-the-lord-wills/) [A. B. Simpson](https://sms4smile.com/quotes/author/a-b-simpson/) > [Our future and our fate lie in our wills more than in our hands, for our hands are but the instruments of our wills.](https://sms4smile.com/quotes/b-c-forbes/our-future-and-our-fate-lie-in-our-wills-more-than-in-our-hands-for/) [B. C. Forbes](https://sms4smile.com/quotes/author/b-c-forbes/) ## More by Naval Ravikant > [Entrepreneurship is really hard and painful - I'm not sure I'd recommend it for anyone who can't handle the extreme stress.](https://sms4smile.com/quotes/naval-ravikant/entrepreneurship-is-really-hard-and-painful-i-m-not-sure-i-d/) [Naval Ravikant](https://sms4smile.com/quotes/author/naval-ravikant/) > [“A fit body, a calm mind, a house full of love. These things cannot be bought — they must be earned.”](https://sms4smile.com/quotes/naval-ravikant/a-fit-body-a-calm-mind-a-house-full-of-love-these-things-cannot-be/) [Naval Ravikant](https://sms4smile.com/quotes/author/naval-ravikant/) > [“Competing without software is like competing without electricity.”](https://sms4smile.com/quotes/naval-ravikant/competing-without-software-is-like-competing-without-electricity/) [Naval Ravikant](https://sms4smile.com/quotes/author/naval-ravikant/) > [Nation states that are used to imposing capital controls will face a quandary: ban cryptocurrencies and live in the technology dustbin; enable them, and…](https://sms4smile.com/quotes/naval-ravikant/nation-states-that-are-used-to-imposing-capital-controls-will-face-a/) [Naval Ravikant](https://sms4smile.com/quotes/author/naval-ravikant/) > [Cryptocurrencies are an emergent property of the Internet - almost a fifth protocol in the Internet suite. If Satoshi Nakomoto did not exist, it…](https://sms4smile.com/quotes/naval-ravikant/cryptocurrencies-are-an-emergent-property-of-the-internet-almost-a/) [Naval Ravikant](https://sms4smile.com/quotes/author/naval-ravikant/) > [Our model is very, very different to LinkedIn. We only deal with very small companies. We don't have any support for recruiters. In fact,…](https://sms4smile.com/quotes/naval-ravikant/our-model-is-very-very-different-to-linkedin-we-only-deal-with-very/) [Naval Ravikant](https://sms4smile.com/quotes/author/naval-ravikant/) > [I don't like having managers.](https://sms4smile.com/quotes/naval-ravikant/i-don-t-like-having-managers/) [Naval Ravikant](https://sms4smile.com/quotes/author/naval-ravikant/) > [I think almost everything about humans and human civilization is explained better by evolution than anything else.](https://sms4smile.com/quotes/naval-ravikant/i-think-almost-everything-about-humans-and-human-civilization-is/) [Naval Ravikant](https://sms4smile.com/quotes/author/naval-ravikant/) > [One philosophy I have at AngelList is I would rather have someone working on the wrong thing and do it their way and be…](https://sms4smile.com/quotes/naval-ravikant/one-philosophy-i-have-at-angellist-is-i-would-rather-have-someone/) [Naval Ravikant](https://sms4smile.com/quotes/author/naval-ravikant/) > [“I don't actually read a lot of books. I pick up a lot of books and only get through a few, which form the…](https://sms4smile.com/quotes/naval-ravikant/i-don-t-actually-read-a-lot-of-books-i-pick-up-a-lot-of-books-and/) [Naval Ravikant](https://sms4smile.com/quotes/author/naval-ravikant/) > [Getting in the middle of financial transactions is a regulatory minefield.](https://sms4smile.com/quotes/naval-ravikant/getting-in-the-middle-of-financial-transactions-is-a-regulatory/) [Naval Ravikant](https://sms4smile.com/quotes/author/naval-ravikant/) > [In an ideal world, you raise a lot of money and then there is a downturn, before you start investing so you get better…](https://sms4smile.com/quotes/naval-ravikant/in-an-ideal-world-you-raise-a-lot-of-money-and-then-there-is-a/) [Naval Ravikant](https://sms4smile.com/quotes/author/naval-ravikant/) > [If you go to a venture firm, what you're doing is you're buying money from them in exchange for equity. They have a commodity…](https://sms4smile.com/quotes/naval-ravikant/if-you-go-to-a-venture-firm-what-you-re-doing-is-you-re-buying-money/) [Naval Ravikant](https://sms4smile.com/quotes/author/naval-ravikant/) > [Startups often want to control the timing of their financing announcement and prefer not to reveal amounts raised for competitive reasons. If more of…](https://sms4smile.com/quotes/naval-ravikant/startups-often-want-to-control-the-timing-of-their-financing/) [Naval Ravikant](https://sms4smile.com/quotes/author/naval-ravikant/) > [We are seeing a lot of cases where the startups are writing the term sheet, dictating the terms, selling common stock instead of preferred…](https://sms4smile.com/quotes/naval-ravikant/we-are-seeing-a-lot-of-cases-where-the-startups-are-writing-the-term/) [Naval Ravikant](https://sms4smile.com/quotes/author/naval-ravikant/) [Explore all 60 Naval Ravikant quotes ](https://sms4smile.com/quotes/author/naval-ravikant/) ## More Cash quotes > [“This one’s mental.’ ‘Eccentric.’ ‘What’s the difference?’ ‘A bag of cash.”](https://sms4smile.com/quotes/terry-pratchett/this-one-s-mental-eccentric-what-s-the-difference-a-bag-of-cash/) [Terry Pratchett](https://sms4smile.com/quotes/author/terry-pratchett/) > [A garden has a curious innocent way of consuming cash while all the time you are under the illusion that you are spending nothing.](https://sms4smile.com/quotes/esther-meynell/a-garden-has-a-curious-innocent-way-of-consuming-cash-while-all-the/) [Esther Meynell](https://sms4smile.com/quotes/author/esther-meynell/) > [Nothing knits man to man like the frequent passage from hand to hand of cash.](https://sms4smile.com/quotes/walter-sickert/nothing-knits-man-to-man-like-the-frequent-passage-from-hand-to-hand/) [Walter Sickert](https://sms4smile.com/quotes/author/walter-sickert/) > [“It’s me,” he says softly. “Stop listening to everything else. Remember the way you feel when I’m kissing you and touching you. Don’t think with your…](https://sms4smile.com/quotes/m-leighton/it-s-me-he-says-softly-stop-listening-to-everything-else-remember-the/) [M. Leighton](https://sms4smile.com/quotes/author/m-leighton/) > [After I graduated, I carried on with my academic work, via grants but I often had a market stall on Camden Market selling hand-painted…](https://sms4smile.com/quotes/bettany-hughes/after-i-graduated-i-carried-on-with-my-academic-work-via-grants-but-i/) [Bettany Hughes](https://sms4smile.com/quotes/author/bettany-hughes/) > [You might be a redneck if you have a picture of Johnny Cash, Willie Nelson, or Elvis over your fireplace.](https://sms4smile.com/quotes/jeff-foxworthy/you-might-be-a-redneck-if-you-have-a-picture-of-johnny-cash-willie/) [Jeff Foxworthy](https://sms4smile.com/quotes/author/jeff-foxworthy/) > [American forces in Iraq found $650 million in American cash sealed in a hidden cottage. See, this is why President Bush wants to invade…](https://sms4smile.com/quotes/jay-leno/american-forces-in-iraq-found-650-million-in-american-cash-sealed-in/) [Jay Leno](https://sms4smile.com/quotes/author/jay-leno/) > [I feel a lot better when I've got a bit of cash on me.](https://sms4smile.com/quotes/pete-doherty/i-feel-a-lot-better-when-i-ve-got-a-bit-of-cash-on-me/) [Pete Doherty](https://sms4smile.com/quotes/author/pete-doherty/) > [If our financial industry regarded security the way the health-care sector does, I would stuff my cash in a mattress under my bed.](https://sms4smile.com/quotes/avi-rubin/if-our-financial-industry-regarded-security-the-way-the-health-care/) [Avi Rubin](https://sms4smile.com/quotes/author/avi-rubin/) > [Why, just a couple of economic seasons ago, was idle cash considered an indication of bad management or lazy management? Because it meant that…](https://sms4smile.com/quotes/malcolm-forbes/why-just-a-couple-of-economic-seasons-ago-was-idle-cash-considered-an/) [Malcolm Forbes](https://sms4smile.com/quotes/author/malcolm-forbes/) > [The only issue cash presents you is the independence of not stressing about funds.](https://sms4smile.com/quotes/johnny-carson/the-only-issue-cash-presents-you-is-the-independence-of-not-stressing/) [Johnny Carson](https://sms4smile.com/quotes/author/johnny-carson/) > [It's funny about men and women. Men pay in cash to get them and pay in cash to get rid of them. Women pay…](https://sms4smile.com/quotes/hedy-lamarr/it-s-funny-about-men-and-women-men-pay-in-cash-to-get-them-and-pay-in/) [Hedy Lamarr](https://sms4smile.com/quotes/author/hedy-lamarr/) > [ I mean, you take a look at this, it's one way. \[Mexicans\] get the jobs, they get the factories, they get the cash, and… ](https://sms4smile.com/quotes/donald-trump/i-mean-you-take-a-look-at-this-it-s-one-way-mexicans-get-the-jobs/) [Donald Trump](https://sms4smile.com/quotes/author/donald-trump/) > [It was really starting to get pathetic, everyday they would come in looking for one thing or another. 'Zach, can you give me some…](https://sms4smile.com/quotes/zach-braff/it-was-really-starting-to-get-pathetic-everyday-they-would-come-in/) [Zach Braff](https://sms4smile.com/quotes/author/zach-braff/) > [One of my officers said to me that Trinidad and Tobago is seen like an ATM card... you come in with the card and…](https://sms4smile.com/quotes/kamla-persad-bissessar/one-of-my-officers-said-to-me-that-trinidad-and-tobago-is-seen-like/) [Kamla Persad-Bissessar](https://sms4smile.com/quotes/author/kamla-persad-bissessar/) Browse all 1,141 Cash quotes ```json { "@context": "https://schema.org", "@graph": [ { "@type": "Quotation", "text": "Any competent programmer has an API to cash, payments, escrow, wills, notaries, lotteries, dividends, micropayments, subscriptions, crowdfunding, and more.", "creator": { "@type": "Person", "name": "Naval Ravikant" }, "isPartOf": { "@id": "https://sms4smile.com/quotes/#website" }, "url": "https://sms4smile.com/quotes/naval-ravikant/any-competent-programmer-has-an-api-to-cash-payments-escrow-wills/", "about": { "@type": "Thing", "name": "Cash" }, "@id": "https://sms4smile.com/quotes/naval-ravikant/any-competent-programmer-has-an-api-to-cash-payments-escrow-wills/#quotation", "image": { "@type": "ImageObject", "@id": "https://sms4smile.com/quotes/i/7c7/naval-ravikant-11450_cash_any-competent-programmer-has-an-api-to-c_2666995.jpg", "contentUrl": "https://sms4smile.com/quotes/i/7c7/naval-ravikant-11450_cash_any-competent-programmer-has-an-api-to-c_2666995.jpg", "url": "https://sms4smile.com/quotes/i/7c7/naval-ravikant-11450_cash_any-competent-programmer-has-an-api-to-c_2666995.jpg", "width": 1080, "height": 1080, "caption": "“Any competent programmer has an API to cash, payments, escrow, wills, notaries, lotteries, dividends…” — Naval Ravikant", "creditText": "SMS4Smile Quotes", "creator": { "@id": "https://sms4smile.com/quotes/#organization" } } }, { "@type": "BreadcrumbList", "itemListElement": [ { "@type": "ListItem", "position": 1, "name": "Home", "item": "https://sms4smile.com/" }, { "@type": "ListItem", "position": 2, "name": "Quotes", "item": "https://sms4smile.com/quotes/" }, { "@type": "ListItem", "position": 3, "name": "Naval Ravikant", "item": "https://sms4smile.com/quotes/author/naval-ravikant/" }, { "@type": "ListItem", "position": 4, "name": "Any competent programmer has an API...", "item": "https://sms4smile.com/quotes/naval-ravikant/any-competent-programmer-has-an-api-to-cash-payments-escrow-wills/" } ], "@id": "https://sms4smile.com/quotes/naval-ravikant/any-competent-programmer-has-an-api-to-cash-payments-escrow-wills/#breadcrumb" }, { "@type": "WebSite", "@id": "https://sms4smile.com/quotes/#website", "name": "SMS4Smile Quotes", "url": "https://sms4smile.com/quotes/", "publisher": { "@id": "https://sms4smile.com/quotes/#organization" } }, { "@type": "Organization", "@id": "https://sms4smile.com/quotes/#organization", "name": "SMS4Smile Quotes", "url": "https://sms4smile.com/quotes/", "logo": { "@type": "ImageObject", "url": "https://sms4smile.com/quotes/wp-content/themes/sq/assets/icons/icon-512.png", "width": 512, "height": 512 } } ] } ```