How Treasury works
Learn about connected accounts, financial accounts, and moving money with Treasury.
Stripe Treasury is a Banking as a Service (BaaS) API for Stripe Connect platforms that allows you to embed financial services in your product.
Stripe provides the infrastructure in partnership with trusted banks. You can use Treasury to enable your connected accounts to hold funds, pay bills, earn cash back, and manage their cash flow.
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:
| Use case | Description |
|---|---|
| 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 cash back, accept 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
Using 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 architectureConnected accounts
Connected accounts are sellers or service providers that use a platform. For example, if you’re a digital storefront platform owner, you provide an e-commerce framework that businesses use to establish online stores and collect payments. Each business that uses your 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.
Private preview
Enabling Treasury on non-custom connected accounts is a new feature. Email treasury-support@stripe.com to request access.
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
You can use the Treasury endpoints of the Stripe API to 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:
- Use Treasury to set up financial accounts and create cards with Issuing
- Use Treasury with SetupIntents and PaymentMethods to move money
Stripe Treasury is provided in the US by Stripe Payments Company, licensed money transmitter, with funds held at Stripe’s bank partners, Members FDIC. Card and other credit products are provided by Celtic Bank and serviced by Stripe, Inc. and its affiliate Stripe Servicing, Inc.