Treasury requirements
Understand the requirements for using Stripe Treasury.
Treasury has compliance requirements and restrictions in addition to those needed for Stripe Payments. They apply to both the platform and its connected accounts. Offer your Treasury-based financial services only to businesses that meet the requirements.
Supported countries![](https://b.stripecdn.com/docs-statics-srv/assets/fcc3a1c24df6fcffface6110ca4963de.svg)
Stripe Treasury is available only to platforms and connected accounts located in the United States.
Business use cases only![](https://b.stripecdn.com/docs-statics-srv/assets/fcc3a1c24df6fcffface6110ca4963de.svg)
Stripe Treasury is available only to platforms with B2B use cases. Stripe doesn’t offer financial accounts to consumers or provide Treasury features for consumer purposes.
Connected account types![](https://b.stripecdn.com/docs-statics-srv/assets/fcc3a1c24df6fcffface6110ca4963de.svg)
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.
Supported countries of residence![](https://b.stripecdn.com/docs-statics-srv/assets/fcc3a1c24df6fcffface6110ca4963de.svg)
Stripe Treasury currently supports businesses in the US only, but the business owners and authorized persons of those businesses can reside in over 150 countries. Some countries of residence, however, can require a more detailed review before you can onboard them to your platform.
Stripe prohibits using Treasury for any dealings, engagement, or sale of goods or services linked directly or indirectly with jurisdictions Stripe has deemed high risk, such as Cuba, Iran, North Korea, Crimea region, and Syria.
Standard review countries of residence![](https://b.stripecdn.com/docs-statics-srv/assets/fcc3a1c24df6fcffface6110ca4963de.svg)
Treasury supports business owners, beneficial owners, and authorized persons that have a primary address in one of the following countries, typically without an enhanced review:
- Australia
- Austria
- Belgium
- Bermuda
- Canada
- Chile
- Czech Republic
- Denmark
- Germany
- Finland
- France
- Gibraltar
- Greece
- Guam
- Hong Kong
- Iceland
- Ireland
- Isle of Man
- Italy
- Japan
- Jersey
- Korea
- Luxembourg
- Netherlands
- New Zealand
- Norway
- Poland
- Portugal
- Puerto Rico
- Singapore
- Slovakia
- Slovenia
- South Africa
- Spain
- Sweden
- Switzerland
- Taiwan
- United Kingdom
- United States
- Virgin Islands, British
- Virgin Islands, US
Enhanced review countries of residence![](https://b.stripecdn.com/docs-statics-srv/assets/fcc3a1c24df6fcffface6110ca4963de.svg)
Treasury supports Business owners, beneficial owners, and authorized persons that have a primary address in one of the following countries, but they’re subject to an enhanced review:
- Albania
- Algeria
- Andorra
- Angola
- Antigua and Barbuda
- Argentina
- Armenia
- Bahamas
- Bahrain
- Bangladesh
- Barbados
- Belize
- Benin
- Bhutan
- Bolivia
- Botswana
- Brazil
- Brunei
- Bulgaria
- Burkina Faso
- Cambodia
- Cameroon
- Cape Verde
- Cayman Islands
- China
- Colombia
- Comoros
- Costa Rica
- Croatia
- Cyprus
- Djibouti
- Dominica
- Dominican Republic
- East Timor
- Ecuador
- Egypt
- El Salvador
- Estonia
- Eswatini
- Ethiopia
- Fiji
- Gabon
- Georgia
- Ghana
- Grenada
- Guatemala
- Guernsey
- Guyana
- Honduras
- Hungary
- India
- Indonesia
- Israel
- Jamaica
- Jordan
- Kazakhstan
- Kenya
- Kiribati
- Kuwait
- Kyrgyzstan
- Laos
- Latvia
- Lesotho
- Liechtenstein
- Lithuania
- Macau
- North Macedonia
- Madagascar
- Malawi
- Maldives
- Malta
- Marshall Islands
- Mauritius
- Mexico
- Micronesia
- Moldova
- Monaco
- Mongolia
- Montenegro
- Morocco
- Mozambique
- Namibia
- Nepal
- Nicaragua
- Oman
- Palau
- Panama
- Papua New Guinea
- Paraguay
- Peru
- Philippines
- Qatar
- Republic of the Congo
- Romania
- Rwanda
- Samoa
- San Marino
- Saudi Arabia
- Senegal
- Serbia
- Seychelles
- Solomon Islands
- Sri Lanka
- St Lucia
- St Vincent and the Grenadines
- Suriname
- Tajikistan
- Tanzania
- Thailand
- The Gambia
- Togo
- Tonga
- Tunisia
- Turkey
- Tuvalu
- Uruguay
- Vietnam
- Zambia
Prohibited and restricted business types![](https://b.stripecdn.com/docs-statics-srv/assets/fcc3a1c24df6fcffface6110ca4963de.svg)
The businesses and business practices in the following categories are either restricted or prohibited from using Stripe Treasury. Financial network rules or the requirements of our financial services providers determine whether Stripe can provide financial services. In some cases, a business in one of these categories can use Treasury after getting explicit approval from Stripe.
Warning
Businesses that offer illegal products or services are never eligible to use Stripe Treasury.
For more information about businesses restricted by Stripe Payments, and by extension Treasury, see Prohibited and Restricted Businesses.
Prohibited business types![](https://b.stripecdn.com/docs-statics-srv/assets/fcc3a1c24df6fcffface6110ca4963de.svg)
The businesses and business practices in the following categories are classified as prohibited and are therefore not eligible to use Treasury:
- Adult industry, escort, or dating services
- Arms trading—retail or manufacturing
- Casinos or gaming
- Cryptocurrency
- Marijuana, tobacco, or illegal drug products and services
- Money services and currency exchange
- Unfair, predatory, or deceptive practices, including multi-level marketing and pyramid schemes
- Payday lending and tax anticipation programs
- Stock promotion
- Tattoo and massage parlors
- Waste or hazardous material management
Restricted business types![](https://b.stripecdn.com/docs-statics-srv/assets/fcc3a1c24df6fcffface6110ca4963de.svg)
The following categories of businesses and business practices are classified as restricted and are subject to enhanced review:
Regulated industries, such as:![](https://b.stripecdn.com/docs-statics-srv/assets/fcc3a1c24df6fcffface6110ca4963de.svg)
- Virtual currencies and cryptocurrencies, non-fungible tokens (NFTs), and mining services
- Investment and brokerage services
- Insurance services
- Debt collection, debt relief, and credit restoration agencies
- Bail bonds
- Lending and cash advance services
- Student loan assistance companies
- Unregistered charities
Businesses that can pose elevated financial risk, such as:![](https://b.stripecdn.com/docs-statics-srv/assets/fcc3a1c24df6fcffface6110ca4963de.svg)
- Art dealers, antique dealers, or auction houses
- Import, export, and freight transport of physical commodities
- Jewelry, gems, precious metals—dealers or wholesalers
- Games of skill and chance, including lotteries, fantasy sports, and sweepstakes
- Direct marketing businesses, including telemarketing, “As Seen on TV”, and door-to-door sales
- Telecommunication or surveillance equipment providers
- Talent and model agencies
- Vehicle sales
- Secondhand shops and pawnshops
- Warranties and lifetime guarantees
- Travel agencies, including tour operators, hotel reservation services, and resort promotions
- Pharmaceutical, vitamin, and supplement sales
Politically exposed persons![](https://b.stripecdn.com/docs-statics-srv/assets/fcc3a1c24df6fcffface6110ca4963de.svg)
Stripe screens applications to identify any connected account user that is a politically exposed person (PEP). All PEPs are subject to enhanced review.