Tech riderRev. 4 Oct 2026
Stripe Treasury
- 1Runs onAPI, Web
- 2CostsFree plan
- 3Card issuingYes
- 4Embedded accountsYes
- 5Payment railsach
- 6KYC/AML toolsYes
- 7LedgerYes
- 8Supported regionsUnited States, Puerto Rico, United Kingdom, Gibraltar
8 lines stated Written from the maker's own pages: stripe.com
Overview
Stripe Treasury is ranked #6 of 31 in banking-as-a-service platforms on Specifiction. It runs on API, Web. There is a free plan.
Stripe Treasury plans and pricing
All plansTreasury Free No minimums or monthly fees; ACH funding is included and wire funding is $2.00 per wire. No storage fees or minimum balance required · instant currency conversion starts at 0.5% of converted amount · payout and FX fees may apply stripe.com · 4 Oct 2026
Compared on banking-as-a-service platforms
- Card issuing
- Yesstripe.com
- Embedded accounts
- Yesstripe.com
- Payment rails
- achstripe.com
- KYC/AML tools
- Yesstripe.com
- Ledger
- Yesstripe.com
- Supported regions
- United States, Puerto Rico, United Kingdom, Gibraltarstripe.com
Facts
- Purpose
- Stripe Treasury combines banking and payments so businesses can receive, store, send, and spend funds in one place.stripe.com · 4 Oct 2026
- Audience
- Stripe says Treasury is built for startups and growing businesses that want to simplify their financial stack and financial operations.stripe.com · 4 Oct 2026
- Account access
- The product page says businesses can open an account in minutes and access settled Stripe payments balances instantly.stripe.com · 4 Oct 2026
- Multicurrency
- Treasury supports multicurrency balances and instant currency conversion; the page lists USD, OUSD, GBP, and EUR balances.stripe.com · 4 Oct 2026
- Global payouts
- Stripe says Treasury supports payouts to 160+ countries, including payouts through traditional and stablecoin networks.stripe.com · 4 Oct 2026
- Cards
- Treasury includes virtual and physical debit cards with 2% cashback, spending limits, reporting, and real-time authorization controls.stripe.com · 4 Oct 2026
- Accounting integrations
- The included features list names Xero and QuickBooks integrations, balance and transaction reporting, and automated reconciliation.stripe.com · 4 Oct 2026
- Automation
- Treasury supports agent workflows through Stripe’s Model Context Protocol, including paying invoices, moving money, converting currencies, and issuing cards.stripe.com · 4 Oct 2026
- Deposit insurance
- Stripe states eligible USD funds held at Fifth Third Bank, N.A., Member FDIC, are insured up to $250,000 per depositor, per institution, subject to conditions.stripe.com · 4 Oct 2026
- Banking provider
- Stripe says it is a financial technology company, not a bank, and checking accounts are provided exclusively by Fifth Third Bank, National Association.stripe.com · 4 Oct 2026
- Cashback limits
- Cash-like, high-risk resale, gambling, and government payment transactions are not eligible for cashback.stripe.com · 4 Oct 2026
- Platforms offering Treasury
- Treasury for Platforms provides embedded accounts for platforms including Shopify, Instacart, and Arc.stripe.com · 4 Oct 2026
- Funding fees
- Stripe lists ACH funding as included and wire funding at $2.00 per wire, with no storage fees or minimum balance required.stripe.com · 4 Oct 2026
Company
- Headquarters
- South San Francisco, California, and Dublin, Irelandstripe.com · 28 Sept 2026
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Where it ranks on Specifiction
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Sources
- stripe.com/treasury· checked 4 Oct 2026
- stripe.com/pricing· checked 4 Oct 2026