A lot of the internal systems where I work use mutual SSL authentication instead of hard coding user accounts into API requests, it took some setting up between

A lot of the internal systems where I work use mutual SSL authentication instead of hard coding user accounts into API requests, it took some setting up between the various parts of the business but it's made shifting information around securely a much simpler process. I'm not sure of how beneficial this would be for most everyday computer users, given the relative complexity getting it set up and lack of widespread knowledge about the technology and processes behind how it works, many users can grasp username+password but might struggle with SSL.