Stripe Is Now a $20B Company

And when we have a formula that can express developing a user base and market trust, particularly in the face of a company that already has it, may be we will.

Until then, it's not terribly accurate to say "A team of 5 can write it in 6 months, so call it $2 mill valuation after hardware and support" because spending some money to have the exact product DOESN'T mean you have nor can get their customers.

$2 mil on devs and $1B on marketing should do it.