# Treasury for platforms requirements

Understand the requirements for using Treasury for platforms.

*Stripe Treasury for platforms* (A collection of API endpoints and cloud- and web-based features that enable platforms to offer embedded financial solutions to their users) has compliance requirements and restrictions that apply to the platform and its connected accounts, customers, and recipients. Offer your Stripe Treasury-based financial services only to businesses that meet the requirements.

## Availability

- Treasury for platforms is in public preview for platforms and connected accounts in the UK.
- Treasury for platforms is in private preview for platforms and connected accounts in the US. [Request access](https://docs.stripe.com/treasury/connect/v2/prebuilt-embedded-finance.md)

Your business must physically operate from, and have at least one account representative who lives at, an address within a supported region. These addresses can’t be a PO box, highway contract box, or private mailbox. Business owners who reside outside a supported region might require enhanced review.

Stripe prohibits using Treasury for any dealings, engagement, or sale of goods or services linked directly or indirectly with jurisdictions Stripe deems high risk, such as Cuba, Iran, North Korea, Syria, and the Crimea, Donetsk, and Luhansk regions.

Your connected accounts must be [eligible](https://docs.stripe.com/treasury/connect/v2/account-management/connected-accounts.md#eligibility).

## Fraud management process

Treasury platforms must maintain a [fraud risk](https://docs.stripe.com/treasury/connect/v2/fraud-guide.md) management process that includes proactive measures to prevent and monitor unauthorized or fraudulent activity and takes steps to remediate it. This includes:

- Establishing processes to identify and understand the business of your customers.
- Implementing tools to prevent unauthorized access to customer accounts.
- Educating connected accounts on how fraud can occur, and establishing a process for alerting connected accounts when suspected fraud occurs.
- Conducting root cause analyses after fraud incidents occur to identify opportunities to improve controls.

## Business use cases only

Treasury for platforms is available only to platforms with B2B use cases. Stripe doesn’t offer financial accounts to consumers or provide Treasury for platforms features for consumer purposes.

## Prohibited and restricted business types

Businesses and business practices in the following categories are either [restricted or prohibited](https://stripe.com/restricted-businesses) from using Treasury for platforms. Financial network rules, the requirements of our financial services providers, and our own compliance and legal obligations determine whether Stripe can provide financial services. In some cases, a business in one of these categories can use Treasury for platforms after getting explicit approval from Stripe. The type of businesses listed below are representative of our Restricted Businesses, but this list isn’t exhaustive. The specifics might vary depending on the financial service provider.

> Businesses that offer illegal products or services are never eligible to use Treasury for platforms.

### Prohibited business types

The businesses and business practices in the following categories are prohibited and can’t use Treasury for platforms:

- Adult industry, escort, or dating services
- Arms trading—retail or manufacturing
- ATMs
- Bail bonds
- Casinos, gambling or gaming
- Debt collection, debt relief, and credit restoration agencies
- Door-to-door sales
- Government agencies and entities
- Hemp or marijuana direct businesses
- Illegal drug products and services
- Money services and currency exchange
- Payable Through Accounts
- Payday lending and tax anticipation programs
- Person-to-Person payment businesses
- Shell Corporations
- Telecommunication or surveillance equipment providers
- Unfair, predatory, or deceptive practices, including multi-level marketing and pyramid schemes
- Unregistered charities
- Warranties and lifetime guarantees

### Restricted business types

The following categories of businesses and business practices are restricted and subject to enhanced review:

#### Regulated industries, such as:

- Insurance services
- Investment, commodities, and brokerage services
- Lending and cash advance services
- Money Services Businesses (MSB) and currency exchange
- Pharmaceuticals
- Student loan assistance companies
- Tobacco

#### Businesses that can pose elevated risk, such as:

- Buy now pay later (BNPL)
- Direct marketing businesses, including telemarketing, “As Seen on TV”
- Import, export, and freight transport of physical commodities
- Jewelry, gems, precious metals—dealers or wholesalers
- High interest rate lenders
- Marketplaces
- Multi-level marketing
- Non-governmental organizations (NGOs)
- Non-fungible tokens (NFTs)
- Professional service providers (PSPs), including lawyers and accountants
- Secondhand shops and pawnshops
- Sweepstakes parlors and internet sweepstakes cafes
- Third party payment processors (TPPPs)
- Vitamin, and supplement sales
- Virtual asset service providers (VASPs)

## Prohibited business addresses

Treasury for platforms only supports connected accounts with a valid US-based physical business. The address can’t be:

- Of or provided by a registered agent
- A PO box
- A highway contract (HC) box
- A private mailbox

Changes to business addresses might take up to 24 business hours to be reflected on outgoing and incoming wires.

## Politically exposed persons

Stripe screens applications to identify any connected account user that’s a politically exposed person (PEP) including foreign senior political figures (SPF). Businesses that are owned by PEPs are prohibited from using Treasury for platforms services.