Stripe Treasury

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

Rule Priority Table

Priority	Rule	Impact	Section
1	account-request-all-features	HIGH	Accounts
2	account-check-feature-status	HIGH	Accounts
3	account-match-capabilities	HIGH	Accounts
4	account-always-pass-stripe-account	HIGH	Accounts
5	account-expand-features-explicitly	MEDIUM	Accounts
6	money-use-outbound-payment	HIGH	Money Movement
7	money-check-balance-before-send	HIGH	Money Movement
8	money-handle-returns	HIGH	Money Movement
9	money-wire-requires-full-address	HIGH	Money Movement
10	money-check-cancelable-before-cancel	MEDIUM	Money Movement
11	money-use-test-helpers	MEDIUM	Money Movement
12	issuing-handle-authorization-fast	HIGH	Issuing
13	issuing-set-spending-controls	HIGH	Issuing
14	issuing-retrieve-card-securely	HIGH	Issuing
15	issuing-cancel-card-for-fraud-dispute	HIGH	Issuing
16	issuing-physical-cards-start-inactive	MEDIUM	Issuing
17	crypto-validate-wallet-address	HIGH	Crypto
18	crypto-check-geographic-eligibility	MEDIUM	Crypto
19	compliance-use-approved-terminology	HIGH	Compliance
20	compliance-disclose-bank-partner	HIGH	Compliance
21	compliance-separate-legal-agreements	HIGH	Compliance
22	compliance-retain-records-five-years	HIGH	Compliance
23	webhook-monitor-received-credits	HIGH	Webhooks
24	webhook-monitor-feature-activation	MEDIUM	Webhooks
25	webhook-monitor-authorization-health	HIGH	Webhooks

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

Direction	Method	Object	Speed	Use Case
Inbound	ACH pull	InboundTransfer	2-3 days	Customer funds own account
Inbound	ACH push	ReceivedCredit	When received	External party sends funds
Inbound	Wire push	ReceivedCredit	Same day	External party sends funds
Inbound	Stripe balance	Payout	2 hours	Payments revenue to FA
Outbound	ACH (third party)	OutboundPayment	1-2 days	Pay vendors/customers
Outbound	Wire (third party)	OutboundPayment	Same day	Urgent vendor payments
Outbound	ACH (self)	OutboundTransfer	1-2 days	Withdraw to own bank
Outbound	Wire (self)	OutboundTransfer	Same day	Urgent withdrawal

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

Event	Action
treasury.financial_account.features_status_updated	Check feature activation
treasury.inbound_transfer.succeeded	Credit user balance in your app
treasury.outbound_payment.posted	Mark payment as sent
treasury.outbound_payment.returned	Handle return, restore funds
treasury.received_credit.created	Handle incoming funds
treasury.received_debit.created	Alert user of external debits
issuing_authorization.request	Real-time approve/decline (2s timeout)
issuing_authorization.created	Monitor webhook health
issuing_card.created	Provision card in your UI

Compliance Quick Reference

DO	DO NOT
"Financial account"	"Bank account"
"Eligible for FDIC pass-through insurance"	"FDIC insured"
Disclose bank partner name	Hide bank partner name
Present ToS agreements separately	Bundle all agreements
Retain records for 5 years	Delete records early
Submit marketing for pre-approval	Publish unapproved materials

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