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Namecheap has extra rules if you want to use an API (minimum money spent with them, minimum of domains managed with them etc.) — GoDaddy style.
Keep that in mind, if you need an API (for DDNS or for obtaining wildcard TLS certificates) you'll have to use a separate service for DNS.
You really should have separate services for registration, DNS and hosting. That way you’re not held hostage by a single provider.
Why should I post someone else for DNS records if namecheap is handling it just fine for my use case?
DDNS with Namecheap is as simple as hitting a URL with a /GET request from the IP you want it to point to. No limitations. No special requirements.
I have a script running that uses the Namecheap API to automatically get wildcard certs from Let's Encrypt. I didn't pay a dime for this. Did something change?
Maybe you meet the conditions for it? It hasn't been possible to access their API without meeting the conditions for at least a year now.
You don't pay directly for the API, the latest conditions AFAIR are 20+ domains and $50+ on account balance and $50+ spent in the last 2 years.
They also want you to whitelist the IPs that access the DNS which makes it unusable for DynDNS, but at least they have a separate URL for that.