# Store funds

Learn about the fiat and stablecoin balances available in your financial account.

Your *financial account* (You can use a financial account to store, transfer, convert, or spend funds) lets you store funds in multiple currencies. It can hold two kinds of balance:

- **Fiat balances**, such as USD, EUR, and GBP. See [Fiat balance currencies](https://docs.stripe.com/treasury/store-funds.md#manage-currencies).
- **A stablecoin balance**, held in OUSD or USDC. Eligible businesses can hold a [stablecoin balance](https://docs.stripe.com/treasury/store-funds.md#stablecoin-balances) in the [countries where it’s available](https://docs.stripe.com/treasury/stablecoins.md#availability), including markets where fiat Treasury isn’t available.

To learn where this is available, see [Availability](https://stripe.com/money-management/availability#explore).

This page covers what your financial account can hold. To add funds, see [Add funds](https://docs.stripe.com/treasury/add-funds.md). To convert between balances, see [Convert funds](https://docs.stripe.com/treasury/convert-funds.md). To move money out, see [Transfer and send money](https://docs.stripe.com/treasury/transfer-send.md). For an overview of stablecoins across Treasury, see [Stablecoins in Treasury](https://docs.stripe.com/treasury/stablecoins.md).

## Balance types

Your Balances page includes a payments balance and a financial account, which serve different purposes. For eligible businesses, payment proceeds settle in your financial account.

| Balance type | Supported features |
| --- | --- |
| Payments balance | - Pay out earnings to your external bank account
- Track incoming transactions
- Manage transaction reconciliation
- Initiate refunds or handle disputes
- Instantly convert multi-currency settled funds |
| Financial account | - Add funds from an external bank account or transfer funds from your payments balance, and transfer funds back to your payments balance
- [Send money](https://docs.stripe.com/global-payouts.md) to anyone (using the Dashboard or API)
- Create a virtual or physical [card](https://docs.stripe.com/treasury/cards.md) to spend funds
- Instantly [convert currencies](https://docs.stripe.com/treasury/convert-funds.md)
- Hold an OUSD or USDC [stablecoin balance](https://docs.stripe.com/treasury/store-funds.md#stablecoin-balances)
- Access [business financing](https://docs.stripe.com/capital/overview.md)
- Integrate accounting software from the Stripe Dashboard with [Xero](https://marketplace.stripe.com/apps/xero) and [QuickBooks Sync by Acodei](https://marketplace.stripe.com/apps/quickbooks-sync-by-acodei) |

## Add currencies 

Financial accounts support the following currencies:

- USD
- EUR
- GBP

This list covers fiat currencies. A [stablecoin balance](https://docs.stripe.com/treasury/store-funds.md#stablecoin-balances) is enabled separately and isn’t limited to these currencies.

To add different currencies to your financial account in the Dashboard:

1. Go to **Settings** > **Business** > [Bank accounts and currencies](https://dashboard.stripe.com/settings/money-management).
2. In the **Manage financial account currencies** section, select the currencies to add to your financial account.
3. Click **Save**.

## Stablecoin balances 

A stablecoin balance holds OUSD or USDC, although USDC transfers on the Tempo blockchain network use USDC.e. A financial account can hold only one stablecoin as its storage currency at a time. You can’t hold OUSD and USDC simultaneously in the same financial account, but you can combine a stablecoin balance with multiple fiat balances (such as USD, EUR, and GBP).

You add funds to a stablecoin balance from a [crypto wallet](https://docs.stripe.com/treasury/add-funds.md#add-from-a-crypto-wallet), and you can pay out from it to a bank account or to a crypto wallet.

To enable or view your stablecoin balance:

1. Go to **Settings** > **Business** > [Bank accounts and currencies](https://dashboard.stripe.com/settings/money-management).
2. In the **Manage financial account currencies** section, select **OUSD** or **USDC**.
3. Click **Save**.

Your stablecoin balance then appears on the [Treasury](https://dashboard.stripe.com/treasury) page.

### Converting between stablecoins and fiat 

Money moves into and out of a stablecoin balance directly from a crypto wallet, or by converting to and from a fiat balance:

- **Funding in**: USDC or USDC.e received from a crypto wallet, or funds converted from a supported fiat balance, add to your stablecoin balance. If the incoming stablecoin doesn’t match your account’s storage currency (for example, sending USDC to an OUSD-enabled account), Stripe converts it to your storage currency first.
- **Storing**: Funds held as a stablecoin balance remain in whichever stablecoin you enabled (OUSD or USDC). Stripe doesn’t automatically convert between the two.
- **Paying out**: To send funds as fiat, Stripe converts your stablecoin balance (OUSD or USDC) to the destination currency at the time of payout.

For an overview of how funds move in and out of a stablecoin balance, see [How funds move](https://docs.stripe.com/treasury/stablecoins.md#how-funds-move). To convert between your stablecoin balance and a fiat balance directly, see [Stablecoin conversions](https://docs.stripe.com/treasury/convert-funds.md#stablecoin-conversions).

For where stablecoin balances are available, see [Stablecoin availability](https://docs.stripe.com/treasury/stablecoins.md#availability). For what else you can do with the balance, see:

- [Add funds from a crypto wallet](https://docs.stripe.com/treasury/add-funds.md#add-from-a-crypto-wallet)
- [Convert between stablecoin and fiat balances](https://docs.stripe.com/treasury/convert-funds.md#stablecoin-conversions)
- [Pay out or transfer a stablecoin balance](https://docs.stripe.com/treasury/transfer-send.md#stablecoin-payouts), including the supported assets, blockchain networks, payout currencies, bank rails, and destination countries

### Supported countries 

For the countries where you can hold a stablecoin balance, and the release phase in each, see [Stablecoin availability](https://docs.stripe.com/treasury/stablecoins.md#availability). Outside the United States, stablecoin balances are in private preview. [Request access](https://docs.stripe.com/treasury/stablecoins.md#request-access).

### Stablecoin assets and networks 

For the stablecoin assets and blockchain networks that Stripe supports, see [Stablecoin assets and networks](https://docs.stripe.com/treasury/transfer-send.md#stablecoin-assets). The same assets and networks apply to funding a stablecoin balance and to paying out from one.

### Move money from a stablecoin balance 

For supported payout currencies, bank rails, and destination countries, see [Move money from a stablecoin balance](https://docs.stripe.com/treasury/transfer-send.md#stablecoin-payouts). Country coverage differs depending on whether you’re paying out to a bank account or a crypto wallet.

### Custody of stablecoin balances 

Bridge custodies USDC and OUSD. Both are pegged 1:1 to USD.

## Third-party accounting integrations 

Stripe supports third-party accounting integrations through the [Stripe App Marketplace](https://marketplace.stripe.com/).

Some third-party accounting integrations don’t support OUSD or USDC transactions. If yours doesn’t, you might still be able to [export your financial account transactions as a CSV](https://docs.stripe.com/treasury/store-funds.md#export-transactions-csv) and import them into your accounting software.

### Export transactions as CSV 

1. In the Dashboard, click **Transactions** in the left navigation.
2. Click **All activity**, then select **Financial account**.
3. Click the **Currency** filter and select the currency you want, such as **OUSD** or **USDC**.
4. Add any other filters you want to apply.
5. Click **Export**.