I’ve seen this go badly in the other direction too. Customer unsubscribes from a marketing email, but then is unsubscribed across the whole mail sending platform causing them to not receive critical updates about their account. I sadly believe that email notifications are a part of UX that is often forgotten yet always creates so much friction when done poorly.

Their regular platform notification emails titled "Your funds are on the way!" include no opt-out link, these were sent via Amazon SES.

The mailer platform they use for Stripe Capital spam appears to be marketo.org, and those did have an opt out link.