Overview of Stripe Treasury

Stripe Treasury is a Banking as a Service (BaaS) API for Connect platforms that lets you embed financial services in your product. Stripe provides the infrastructure in partnership with trusted banks.

With Treasury, you can enable your connected accounts to hold funds, pay bills, earn yield, and manage their cash flow. Many platforms also use Stripe Issuing to issue cards for accessing Treasury accounts.

To request access to Treasury test mode, fill out the Treasury form.

Businesses serving US-based commercial businesses are immediately granted access to test mode after completing the form. All other businesses require review by Stripe to verify whether we can support them. For more information on which businesses can use Treasury, see our Treasury requirements guide.

Building blocks for financial services

Stripe Treasury provides modular components for building a full-featured, scalable financial product.

Treasury use cases

The following are examples of some common Stripe Treasury use cases:

• Spend management: Build a spend management product for your customers to store funds on your platform and manage spending with branded cards.
• Store and spend account: Create FDIC insurance-eligible accounts that allow businesses to store funds, earn yield, deposit checks, and pay contractors and vendors with ACH and wire transfers.
• Programmatic money movement: Facilitate money movement between your platform’s connected accounts and from connected accounts to third-party accounts.

Treasury account architecture

With Stripe Connect, you onboard customers to your platform as connected accounts. You can create a Treasury account for each connected account to access your financial products. The following diagram illustrates an overview of a platform with Stripe Treasury integration.

Treasury account architecture

Connected accounts

Connected accounts are sellers or service providers that use a platform. For example, as a digital storefront platform owner, you provide an e-commerce framework that businesses can use to establish online stores and collect payments. Each business that uses the storefront platform is a connected account.

Treasury only supports connected accounts that don’t use a Stripe-hosted dashboard and where your platform is responsible for requirements collection and loss liability, including Custom connected accounts. Learn how to create connected accounts that work with Treasury.

As a platform with connected accounts, you’re responsible for maintaining a minimum API version, communicating terms of service updates to your connected accounts, handling information requests from them, and providing them with support. Because your platform is ultimately responsible for the losses your connected accounts incur, you’re also responsible for vetting them for fraud. To learn more, read the Treasury fraud guide.

Financial accounts

Using Treasury endpoints of the Stripe API, you can create financial accounts and attach them to connected accounts in a one-to-one relationship (unless you’re enrolled in the Multi FA beta).

You can fund the financial accounts of your platform’s connected accounts and move money between them. Your connected accounts can also fund their Treasury financial accounts using a bank external to Stripe. If your platform uses Stripe Issuing, you can provide payment cards linked to the financial account balance of your connected accounts.

Treasury financial accounts have routing numbers because they’re backed by US banking partners, and balances are eligible for FDIC pass-through insurance.

Sample integration

Follow our two-part sample integration to see how Treasury works:

1. Use Treasury to set up financial accounts and create cards with Issuing.
2. Use Treasury with SetupIntents and PaymentMethods to move money.