Neither of those examples is particularly convincing. Stripe succeeded because it tackled a famously difficult and annoying set of business problems; the technology is important and they're reputed to be top rate, but that's not why they've succeeded as a business. Netflix has no technical moat either; there are half a dozen streaming services that, on a technical level, are completely interchangeable with Netflix. The only difference between them is their respective content catalogues, and while Netflix probably has some advantage in being able to drive content decisions with customer data, that only gets you so far.