Stripe Treasury vs Treasury Prime
Stripe Treasury
stripe.com
Treasury Prime
treasuryprime.comSide by side
| Figure | Stripe Treasury | Treasury Prime |
|---|---|---|
| Price from | Free | — |
| Free plan | Yes | — |
| Free trial | — | — |
| Open source | — | — |
| Web | Yes | Yes |
| iOS | Yes | — |
| Android | Yes | — |
| API | Yes | Yes |
| Plans published | 8 | 1 |
| Spec score · Banking-as-a-Service Platforms | 8.7 (#2) | 6.8 (#30) |
| Cards | Treasury includes virtual and physical debit cards with spending controls, real-time authorization and cardholder management. | The platform supports branded card programs with virtual and physical cards, digital wallets, and card controls. |
| Company | Stripe, LLC is a privately held company founded in 2010 with headquarters in South San Francisco and a stated 5,001–10,000 employee range. | Treasury Prime says it was founded in 2017 by Chris Dean and Jim Brusstar. |
| Headquarters | South San Francisco, California, and Dublin, Ireland | A Treasury Prime newsroom release datelined San Francisco identifies the company with San Francisco. |
Plans
Stripe Treasury
- ACH fundingFree
- TreasuryFree
- Treasury accountFree
- Treasury cardsFree
- Instant currency conversion$0.50, paid once
- Domestic payout$1.50, paid once
- International payout$1.50, paid once
- Wire funding$2, paid once
In their own words
Stripe Treasury
Stripe Treasury combines banking and payments functions so businesses can receive, store, send, and spend funds in one place. Stripe says businesses can open an account in minutes and access settled Stripe payment balances instantly. The service supports USD, OUSD, GBP, and EUR balances, instant currency conversion starting at 0.5% of the converted amount, and payouts to 160+ countries through traditional and stablecoin networks; payout and FX fees may apply. Virtual and physical debit cards include spending limits, reporting, real-time authorization controls, and 2% cashback, subject to exclusions for cash-like, high-risk resale, gambling, and government payment transactions. Xero and QuickBooks integrations, balance and transaction reporting, and automated reconciliation support accounting workflows. Treasury also supports agent workflows through Stripe’s Model Context Protocol, including paying invoices, moving funds, converting currencies, and issuing cards. ACH funding is included, wire funding is $2.00 per wire, and there are no storage fees or minimum balance requirements. Stripe is a financial technology company, not a bank; checking accounts are provided exclusively by Fifth Third Bank, National Association. Eligible USD funds there may be insured up to $250,000 per depositor, per institution, subject to conditions.
Treasury Prime
Treasury Prime has no write-up on Specifiction yet; its figures are above.