YOE is a myth?

I have been recently trying switch from one fintech company to another but i feel they are low-balling the compensation saying that my YOE aren't enough. The first one was a early stage startup and this one is a unicorn. Technically i have only a year of experience if i count my masters and bachelors both but otherwise i have almost 5 years of work experience along with GSoC and leading small teams( 5 - 10). Should i the accept the offer or wait for the company to agree ?

FYI - The difference is almost around 10L between what i am askinf and what they have proposed.