Fraud detection is really, really, really, really hard so I would probably stick with someone like Stripe for this, as they have so much data that they can do a really good job.
And fundamentally, the moat for Stripe isn't just the front-end APIs, it's all the work that they do (and there's a lot) in connecting together financial infrastructure. Even if you could wave a magic wand and generate all the code Stripe has (which you can't, currently) then you'd still need to build out all the partnerships, which is a lot of work.
Disclaimer: former Stripe (though only a tourist), still hold some of their shares.
Fraud detection is really, really, really, really hard so I would probably stick with someone like Stripe for this, as they have so much data that they can do a really good job.
And fundamentally, the moat for Stripe isn't just the front-end APIs, it's all the work that they do (and there's a lot) in connecting together financial infrastructure. Even if you could wave a magic wand and generate all the code Stripe has (which you can't, currently) then you'd still need to build out all the partnerships, which is a lot of work.
Disclaimer: former Stripe (though only a tourist), still hold some of their shares.