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If you think a payments API doesn't matter... try taking credit cards online *without* a payments API. (BTW, I'm not in silicon valley...)
It for sure matters, and Stripe's accomplishments are legit, but "the most ambitious startup you've ever seen?" C'mon now... Musk's founded 3 companies more or equally ambitious and he's not the only such example.
I think we have different definitions of startup. I don't consider Tesla to be a startup for example...
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