Seems like stripe is constantly getting called out by other fintech companies. Honestly probably points to the key to their success, they play dirty and are in it to win.
I think we'd all be better off with more of this kind of thing. Basing your business on "ownership" of ideas or insider knowledge about some topic which can be trivially shared is a poor quality base for profit. So much of our economy is based on charging a lot to do something which would be quite trivial if the "how to do it" information was open.
If anything, this shows that Stripe's competitors believe that Stripe is competently managed. If Google announced a product in this space, Plaid's CEO would have yawned. Google announced a Slack competitor that would be a free addition to its business suite in 2017, and Slack IPO'd two years later at a $30 billion market cap. SPOT opened higher the day after Google announced YouTube Music. I remember when companies would worry that Google would compete with them, but if your product isn't something that can be served on the search results page, there was never anything to worry about.
Because they kill so many products a few years after launch. They could launch the best whatever app in the world and most people would never touch it because they don’t trust it will be around in a year.