# Treasury for consumers

Allow consumers on your platform to store and use funds in an embedded financial account.

Treasury for consumers lets you create embedded financial accounts and prepaid debit cards for the *consumers* (Consumers are individuals who use your platform for personal, non-commercial purposes, such as managing personal finances, holding savings, or spending) on your platform or marketplace. Stripe handles money movement, identity verification, compliance, and risk. Platforms can perform the following actions on consumer financial accounts:

- **Store funds** for consumers in an FDIC-insured financial account.
- **Fund accounts** from the consumer’s Stripe balance or from your platform’s financial account.
- **Enable on-platform spending** so consumers can pay on your platform using balance payments.
- **Enable withdrawals** to the consumer’s external US bank account.
- **[Issue prepaid debit cards](https://docs.stripe.com/issuing/consumer-prepaid-debit-cards.md)** that spend directly from the financial account balance as virtual or physical cards.

## Use cases

Treasury for consumers allows you to offer Treasury instruments that align with different types of consumers on your platform:

- **Embedded wallets**: Sellers, service providers, and creators can receive earnings, hold funds, and make on-marketplace purchases using their financial account balance from a branded wallet. They can withdraw earnings to their external bank account at any time.
- **Prepaid debit cards**: Consumers can spend their financial account balance anywhere that accepts Visa or Mastercard, using a virtual or physical prepaid debit card.