Stripe Treasury accounts structure

Understanding the technical components of Stripe Treasury is important for you to develop an optimized financial service for the sellers and service providers on your platform. A crucial first step in that understanding is to learn the different account types involved with a Treasury integration.

Account types

Your platform must have Stripe Connect to use Treasury. In its most basic form, a Connect integration includes a platform account with many connected accounts, each owned by a seller or service provider that uses the platform. Both the platform account and its connected accounts are Account objects in the Stripe API.

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.

A Connect platform with connected accounts

Stripe Treasury introduces another type of account to the Stripe ecosystem: financial accounts. When you onboard your platform to Treasury, Stripe automatically creates and assigns a FinancialAccount object to your platform account. As the platform, you request the treasury capability when requesting the capabilities you need for your connected accounts. After you request it, Stripe updates the connected account’s Account object to include additional requirements in its requirements hash. You can create financial accounts for your connected accounts, but until you gather the requirements from your connected account owners, the financial accounts aren’t accessible. For more information on using Treasury financial accounts, see the Working with financial accounts guide.

Account balances

Each account in Stripe Connect (both platform and connected accounts) has an account balance that tracks pending and available funds for that account. With Stripe Treasury, each of these accounts can also have a financial account, which has a balance of its own. Treasury provides you the tools to transfer funds between the platform account and financial account, but their respective balances always remain separate. However, funds can’t be transferred from a platform end-user’s financial account to their connected account. For more information on platform and connected account balances, see the Understanding Connect account balances guide. For more information on financial account balances, see the Working with balances and transactions guide.

Flow of funds between accounts

Flow of funds between accounts

Although the payments balance and financial account balances are separate, Treasury supports the flow of funds between the two. Treasury also enables you to transfer funds from your platform financial account to the financial accounts attached to your platform’s connected accounts. You can use Payouts to send funds from your payment balance to your financial account or to the financial accounts attached to your platform’s connected accounts. To move money between two financial accounts, Treasury introduces OutboundPayment objects to facilitate this movement.

Transfers affect funds on the Stripe Account Balance, so if you want to move funds between two financial accounts, you must use OutboundPayments.