Stripe Treasury

Build embedded financial services with stored-value accounts, money movement, card issuing, and crypto capabilities.

Rule Priority Table

Capability Overview

Treasury Platform (requires Stripe Connect)
│
├─ Financial Accounts (stored-value wallets)
│  ├─ Receive funds (ACH, wire, internal)
│  ├─ Send funds (ACH, wire, internal)
│  └─ Hold balances in USD
│
├─ Issuing (cards funded from financial accounts)
│  ├─ Virtual cards (instant)
│  ├─ Physical cards (shipped)
│  └─ Spending controls & real-time authorization
│
├─ Crypto Onramp (fiat → crypto)
│  └─ Embedded widget for crypto purchase
│
└─ Compliance
   ├─ FDIC pass-through deposit insurance
   ├─ Required disclosures and terminology
   └─ 5-year record retention

Prerequisites

Treasury requires Stripe Connect. Your platform must:

1. Be an approved Treasury platform (apply via Stripe dashboard)
2. Use Connect with connected accounts
3. Financial accounts are created per connected account

Quick Start: Create Financial Account

// 1. Create connected account with treasury capability
const account = await stripe.accounts.create({
  type: 'custom',
  country: 'US',
  capabilities: {
    treasury: { requested: true },
    card_issuing: { requested: true },
  },
});

// 2. Create financial account with all needed features
const fa = await stripe.treasury.financialAccounts.create(
  {
    supported_currencies: ['usd'],
    features: {
      card_issuing: { requested: true },
      deposit_insurance: { requested: true },
      financial_addresses: { aba: { requested: true } },
      inbound_transfers: { ach: { requested: true } },
      intra_stripe_flows: { requested: true },
      outbound_payments: {
        ach: { requested: true },
        us_domestic_wire: { requested: true },
      },
      outbound_transfers: {
        ach: { requested: true },
        us_domestic_wire: { requested: true },
      },
    },
  },
  { stripeAccount: account.id }
);

Money Movement Quick Reference

Send Money (Outbound Payment)

const payment = await stripe.treasury.outboundPayments.create(
  {
    financial_account: 'fa_xxx',
    amount: 50000,
    currency: 'usd',
    destination_payment_method: 'pm_xxx',
    description: 'Invoice #1234 payment',
  },
  { stripeAccount: 'acct_xxx' }
);

Card Issuing Quick Start

// Create cardholder
const cardholder = await stripe.issuing.cardholders.create(
  {
    name: 'Jenny Rosen',
    email: 'jenny@example.com',
    type: 'individual',
    billing: {
      address: { line1: '123 Main St', city: 'SF', state: 'CA', postal_code: '94111', country: 'US' },
    },
  },
  { stripeAccount: 'acct_xxx' }
);

// Create virtual card with spending controls
const card = await stripe.issuing.cards.create(
  {
    cardholder: cardholder.id,
    currency: 'usd',
    type: 'virtual',
    spending_controls: {
      spending_limits: [{ amount: 100000, interval: 'monthly' }],
    },
  },
  { stripeAccount: 'acct_xxx' }
);

Critical Webhooks

Compliance Quick Reference

References

• references/financial-accounts.md - Account lifecycle, features, balances, closing accounts
• references/money-movement.md - ACH, wire, internal transfers, test helpers, timing reference
• references/financial-addresses.md - ABA routing, receiving funds, address lifecycle, bank details UI
• references/issuing.md - Card creation, spending controls, real-time authorization, disputes, digital wallets
• references/crypto-onramp.md - Fiat-to-crypto widget, session management, React component
• references/compliance.md - KYC, FDIC insurance, marketing rules, record keeping, legal agreements
• references/transactions.md - Transaction and TransactionEntry objects, reconciliation, balance reporting