How Treasury works

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 yield, 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:

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 architecture

Connected 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 は、Stripe がホストするダッシュボードを使用せず、プラットフォームが要件の収集と損失に対する責任を負う連結アカウント (Custom 連結アカウントなど) のみをサポートします。Treasury と連携可能な連結アカウントの作成方法についてご確認ください。

連結アカウントを保有するプラットフォームは、API の最小バージョンの管理、連結アカウントへの利用規約の更新の案内、連結アカウントからの情報リクエストの処理、連結アカウントへのサポートの提供を行う責任があります。連結アカウントで発生した損失はプラットフォームが最終的に責任を負うことになるため、連結アカウントの不正利用を調査する責任もあります。詳細については、Treasury 不正利用対策ガイドをお読みください。

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:

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