Stripe's moat, if any, stems from organizational and cultural factors, such as domain understanding and problem-solving focus.
I do think that one can have organizational and cultural moats. Maybe this contradicts what I was just saying, or it's consistent with it in the sense that it's a kind of cultural explanation. In as much as we have a moat, it's because we have a very good understanding of our domain. We have a set of people who actually care about solving the problems, who are continually paranoid at the prospect that we might be forgetting something important.