"I'm not saying Stripe cannot do it. I would say Stripe will take ages, and their banking partners will probably not be comfortable with the kind of risk they'd deal with" Shrii, CEO of Credible, on what actually stops Stripe from building what Credible built "Stripe processes a little over $16 trillion in payments a year, that's massive, and they're very much focused on the masses. On every transaction they charge minimum 3% plus a $2 or $3 fee. On the other side there are gateways like Nuvei and SafeCharge that work on high risk, but if the customer and merchant are both in the US they'll do the acquiring, they won't do cross border. Even if they do cross border through partners, they always settle after 3 days, on average 7 days. They're built on a legacy framework on underwriting and partner network" "I'm not saying Stripe cannot do it, but Stripe will take ages to have a different narrative, and their banking partners probably won't be comfortable with the kind of risk they'd deal with once they enter the space. For the same reason, they launched Tempo but didn't call it Stripe Chain. It's very hard for someone working with legacy systems to pivot and build something like this" "Credible complements these acquirers because we orchestrate across them, we match which payment method, which market, which merchant should go through which acquirer. If you go on our website you'll see the diagram in the how it works section, how we work through the acquirers, the risk scoring, fronting of liquidity. It requires multiple functions, not just payment processing"