How to by-pass accounts management rules
The XML-RPC is a system that allows login and remote updates to WordPress from other applications.
If you need XML-RPC functionality (e.g. if you use the WordPress iPhone/Android App), and you want to by-pass login protection rules, simply enable "XML-RPC Compatibility" option.
To achieve this, select General Settings from the main menu => Plugin Defaults => and enable XML-RPC Compatibility option:
We also recommend you to read WordPress XML-RPC – why and how to block attacks.