Enable businesses to store, move, and spend funds
Embed business accounts with flexible money movement capabilities. Launch fast with no-code solutions or use APIs for more customization.
Give businesses more reason to stay.Make your platform indispensable.
Give businesses more reason to stay.Make your platform indispensable.
Solve money management for businesses.
Give them a business account to store funds and manage spending, right on your platform.
Embed financial services directly where business happens.
Use our APIs or embedded components to add new services to your platform without disrupting your existing experience.
Reward businesses for consolidating their finances on your platform.
Let businesses open savings accounts and earn interest on their balances.
Provide the financial tools that every business needs
Business accounts, money movement, spend cards, and more—everything businesses want, in one place.
Business accounts
Multicurrency accounts.
Businesses can store funds in fiat currencies or in stablecoins.
FDIC insurance-eligible.
USD funds are eligible for FDIC pass-through insurance1 up to $250K.
Instant currency conversion.
Businesses can instantly convert between currencies within their business accounts.
Money movement
Flexible payouts.
Businesses can send payouts to a bank account or a debit card.
Payments and transfers.
Faster payments, real-time payments, and instant transfers to other accounts within the Stripe network.
Cross-border payments.
Businesses can receive and send funds across borders in 100+ fiat currencies and stablecoins.
Expense management and bill payment
Spend cards.
Businesses can use spend cards2 for purchases and expense management.
Bill payment.
Intelligent invoice autofilling and automated payment scheduling. Coming soon.
Accounting integrations.
Businesses can sync transaction data in real time. Coming soon.
Rewards
Balance rewards.
Set rates for businesses from the Stripe Dashboard, with visibility into projected monthly disbursements.
Rewards visibility.
Lifetime rewards, monthly totals, payout dates, and annual reward rate—all in one user-facing view.
Card spend rewards.
Businesses can earn on transactions made with cards issued through your platform. Coming soon.
Get to market faster.Everything you need to launch, built in.
Prebuilt UIs
Add financial services to your platform using embedded components that support a wide range of user flows.
Compliance handled by Stripe
Launch without the compliance legwork. Prebuilt UIs and promotional emails are designed to meet requirements from day one.
Easy-to-use dashboard
Configure your Stripe Treasury settings, manage onboarding, and transfer money to businesses without switching between tools.
Self-serve onboarding
Get started with Treasury right from the Stripe Dashboard, in just a few clicks.
Features are in preview.
Use Stripe Radar for AI-powered fraud detection you configure yourself, or let Stripe handle risk on your behalf with Stripe Managed Risk—both powered by data from millions of businesses across 18,000 platforms.
Build on a resilient banking network from day one
Stripe partners with multiple leading banks, so you’re never dependent on just one. You also get direct access to payment networks, giving you broader acceptance windows and detailed transaction data for visibility and reconciliation.
What’s Included
- USD funds are eligible for FDIC pass-through insurance up to $250K1
- Account and routing numbers
- Local virtual bank account numbers
- Statements and bank verification letters
- Multicurrency fund storage in fiat and stablecoins
- Instant currency conversion
- ACH (standard and same-day)
- Domestic wires
- Real-time payments
- Instant transfers between business accounts
- Global payouts to 100+ countries
- Push-to-card
- Cross-border payments
- Cash deposits
- Check send and acceptance
- Intelligent bill payments*
- Spend cards2 (physical and virtual)
- Accounting integrations*
- Balance and payment reconciliation
- Service fees from Stripe as your program scales
- Onboarding and verification with KYC/KYB controls
- Built-in fraud protection
- Prebuilt UIs
- Rewards on balances
- Rewards on card spend*
*Coming soon
Choose your integration option.Start simple or build something custom.
No-code
Launch fast with the Stripe Dashboard or add lightweight branding and customization with the Express Dashboard. Join the waitlist.
Low-code
Customize branding, theming, and colors with embedded components and just a few lines of code. Join the waitlist.
Deep customization
Use Stripe APIs and documentation to design the user experience from scratch.
Fintechs embed Treasury to add funds storage and cards
- Works for both B2B and B2C use cases
- Users can hold balances and pay out in any currency, including stablecoins
- Includes FDIC-insured accounts1 backed by Stripe’s bank partners
Use Treasury with other Stripe products
Frequently asked questions
Learn more about Treasury for platforms.
What is Treasury for platforms and how do I know if it’s right for my business?
Treasury for Platforms lets you embed bank accounts directly into your platform—funds storage, card issuing, bill pay, and rewards—so businesses can manage their finances where they already work. It’s built for SaaS platforms and marketplaces that want to offer businesses a complete financial experience alongside payments. It’s also a good fit for fintechs that want to offer financial services to businesses or consumers without taking on banking relationships and regulatory complexity themselves.
How quickly can I integrate it?
Treasury for platforms is getting a significant upgrade. We’re rolling out prebuilt UIs, simplified compliance and fraud management, a centralized dashboard, customer support, and monetization options that will make it faster to integrate than ever before. Join the waitlist.
Why should I choose Treasury over traditional banking providers?
Stripe Treasury replaces the complexity of integrating and managing multiple banking providers with a single API that handles bank partnerships, compliance, KYC, and reconciliation on your behalf. Your platform gets business accounts, money movement, yield, and card issuance in one unified stack so you can get to market faster and focus engineering efforts on your core product.
Where is it available?
Treasury is available in preview in the following countries, with more on the way:
- Austria
- Belgium
- Bulgaria
- Croatia
- Cyprus
- Estonia
- Finland
- France
- Germany
- Greece
- Ireland
- Italy
- Latvia
- Lithuania
- Luxembourg
- Malta
- Netherlands
- Portugal
- Slovakia
- Slovenia
- Spain
- United Kingdom
- United States
How can my business monetize its features?
Platforms that handle their own pricing can set and collect their own fees for Treasury-related features. Additionally, qualifying platforms may also earn revenue on stored balances from Stripe.
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Read more1 Stripe is a financial technology company and not a FDIC-insured bank. Certain conditions must be satisfied for pass-through deposit insurance coverage to apply. Funds eligible for FDIC pass-through deposit insurance are held at Fifth Third Bank, N.A., Member FDIC. The FDIC’s deposit insurance coverage only protects against the failure of an FDIC insured depository institution; and applies up to 250,000 USD per depositor, per financial institution, for deposits held in the same ownership category.
2 Consumer and commercial cards offered through Stripe Issuing are issued by Stripe’s bank partners under licenses from Visa U.S.A. Inc. and Mastercard International Incorporated.