Ask HN: MoonPay vs Stripe - who will become the web3 payment solution?

I am wondering about what HN thinks about web3 payment solutions and if Stripe is already too late after the huge MoonPay funding round.

MoonPay funding: https://cointelegraph.com/news/crypto-fintech-moonpay-reportedly-aims-for-3-4b-valuation-in-first-vc-funding