Stripe Treasury vs Treezor

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.

Treezor provides Banking-as-a-Service for businesses embedding financial services through APIs. Its services cover payment accounts and wallets with virtual and local IBANs, core banking, KYC/KYB, card issuing and processing, acquiring, and SEPA and international payments. Businesses can offer physical or virtual Visa and Mastercard cards linked to accounts, with configurable controls and limits. The REST API exchanges JSON and requires HTTPS requests with a JSON Web Token in the Authorization header. Each customer can use a dedicated sandbox for testing, while dashboards support team onboarding and operations monitoring. Card services work with Apple Pay, Google Pay, and Samsung Pay. Authentication options include WebNative for browsers and mobile devices, native iOS and Android SDKs, and bridges for React Native, Flutter, and Capacitor. Treezor says it is an ACPR-authorized electronic money institution with authorization to operate in 25 countries. Its supported regions include Belgium, France, Germany, Italy, Luxembourg, Spain, and The Netherlands. Pricing is on request.