# Treasury Learn how to securely manage money. Looking to offer Treasury to your connected accounts? See [Treasury for platforms](https://docs.stripe.com/treasury/connect.md). Stripe Treasury combines your payments and finances so you can store, spend, and send money from a single place. [Financial accounts](https://docs.stripe.com/api/v2/money-management/financial-accounts.md?api-version=2026-06-24.preview&rds=1) are the core components of Treasury. They receive your settled Stripe earnings, hold funds, and power capabilities such as physical or virtual cards, multi-currency management and conversion, and international outbound payments to recipients with [Global Payouts](https://docs.stripe.com/global-payouts.md). There are no monthly fees or minimum balance requirements to open or maintain a *financial account* (You can use a financial account to store, transfer, convert, or spend funds). A financial account can hold [fiat balances](https://docs.stripe.com/treasury/store-funds.md#manage-currencies) such as USD, EUR, and GBP. Eligible businesses can also hold a [stablecoin balance](https://docs.stripe.com/treasury/store-funds.md#stablecoin-balances) in OUSD or USDC. If you’re eligible, you can access your financial account on the [Treasury](https://dashboard.stripe.com/treasury) page in the Stripe Dashboard or from the [Dashboard mobile app](https://docs.stripe.com/dashboard/mobile.md), which is available for [iOS](https://apps.apple.com/app/apple-store/id978516833?pt=91215812&ct=stripe-docs-mobile&mt=8) and [Android](https://play.google.com/store/apps/details?id=com.stripe.android.dashboard&pli=1). ![Treasury overview in the Stripe Dashboard and on the Dashboard mobile app](https://b.stripecdn.com/docs-statics-srv/assets/treasury-docs-combined.1771da348282fd83ca9fb0ffdc75baac.png) ## Account types Available in: US In the US, a financial account is backed by either a demand deposit account (DDA) that’s opened directly with Stripe’s banking partner or a for-benefit-of (FBO) arrangement, where Stripe administers your funds on your behalf. Both account types receive settled Stripe earnings, hold funds, and support the same Treasury features. Account structures outside the US can differ. The agreements and disclosures in your Dashboard account details identify your account type and the terms that govern it. ### Checking account A DDA-backed financial account appears in the Dashboard as a checking account. With a checking account: - Your business has a deposit account relationship directly with Stripe’s banking partner. - The bank identifies your business as the account holder in its records. - The bank maintains your account records directly and provides the governing account agreement and disclosures. ### Business account An FBO-backed financial account appears in the Dashboard as a business account. With a business account: - The bank’s records show that the account holds funds for the benefit of Stripe customers, including your business. - Stripe records how much of the total balance belongs to your business and reconciles that record against the funds held at the bank. - Stripe presents your balance, transactions, and available ways to move money in the Dashboard. Account labels don’t by themselves determine your legal rights or FDIC insurance eligibility. Review the agreements and disclosures in your Dashboard account details to identify the bank, the legal account holder, and the terms governing access to funds. ## Availability Treasury is available in the following countries: - **United States**: Public preview - **United Kingdom**: Public preview - **Australia**: Private preview ([Request access](https://docs.stripe.com/treasury.md#au_treasury_preview)) ### Interested in getting early access to Treasury in Australia? Enter your email to request access. ```bash curl https://docs.stripe.com/preview/register \ -X POST \ -H "Content-Type: application/json" \ -H "Referer: https://docs.stripe.com/treasury" \ -d '{"email": "EMAIL", "preview": "au_treasury_preview"}' ``` > #### Checking account availability is US-only > > A checking account (a DDA-backed financial account) is only available in the US. Account structures in other countries can differ. Review your Dashboard agreements and disclosures for details. For more information, see [Treasury product and feature availability](https://stripe.com/money-management/availability). ### Stablecoins Eligible financial accounts can hold a [stablecoin balance](https://docs.stripe.com/treasury/stablecoins.md) in OUSD or USDC. This lets businesses receive, store, convert, and send funds in markets where fiat Treasury isn’t available. Stablecoin balances are in public preview in the US and private preview in [the other eligible countries](https://docs.stripe.com/treasury/stablecoins.md#availability-other-countries). ## FDIC insurance eligibility (US only) FDIC insurance treatment depends on your account type. A checking account (a DDA-backed financial account) holds funds directly in an account with Stripe’s banking partner. USD held in a checking account can be eligible for ordinary FDIC deposit insurance, rather than pass-through insurance, because your business is the direct account holder of record. A business account (an FBO-backed financial account) holds funds through an FBO arrangement. USD held in a business account can be eligible for [FDIC pass-through deposit insurance](https://www.fdic.gov/financial-institution-employees-guide-deposit-insurance/pass-through-deposit-insurance-coverage), except for the following types of accounts: - Primary accounts - Accounts with a v1 `Balance` object where `type` is null - Accounts with a v2 `FinancialAccount` object where `type` is `payments` - Accounts indicated in the Dashboard as ineligible for pass-through insurance Funds that meet the requirements for pass-through insurance are eligible only when FDIC rules and regulations permit pass-through insurance. FDIC insurance covers up to 250,000 USD per depositor, per financial institution, for deposits held in the same ownership category. FDIC deposit insurance coverage only protects against the failure of an FDIC-insured depository institution, and Stripe isn’t an FDIC-insured depository institution. Funds that are eligible for FDIC pass-through deposit insurance are held at Fifth Third Bank, N.A., Member FDIC. ## Roles and permissions Treasury uses Stripe’s standard [roles and permissions](https://docs.stripe.com/get-started/account/teams/roles.md) system. Administrator access is required to add funds and manage financial account settings.