Apply for Stripe Treasury access on your Connect platform and ensure connected accounts pass the required KYB/KYC checks before creating financial accounts.
Create a FinancialAccount for a connected account using the Treasury API; the response includes a routing number and account number for inbound ACH and wire transfers.
Fund the financial account by initiating an InboundTransfer from the connected account's Stripe balance, or by having the customer send an external ACH credit using the routing and account numbers.
Send funds out via an OutboundPayment (for payments to third parties) or OutboundTransfer (to move funds to the connected account's external bank account).
Monitor financial account events via webhooks (treasury.financial_account.*, treasury.inbound_transfer.*, treasury.outbound_payment.*) to update your ledger in real time.
Use the TransactionEntry and Transaction objects to reconcile all money movement in and out of the financial account.
Known gotchas
Stripe Treasury financial accounts are not FDIC-insured by default; the pass-through insurance program requires meeting specific program bank eligibility criteria.
Outbound wire transfers have a cutoff time each business day; requests submitted after the cutoff are queued for the next business day.
Financial accounts are only available to platforms using Stripe Connect with the controller.stripe_dashboard.type set to 'none' (custom Connect); standard Connect accounts cannot use Treasury.
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