{"id":"820c9cd3-011c-4da9-8038-495afc0edd12","task":"Fund a Stripe Treasury financial account via InboundTransfer from an external linked bank account","domain":"docs.stripe.com","steps":["Link an external US bank account to the Treasury financial account via POST /v1/treasury/financial_accounts/{id}/features to enable inbound_transfers, then create a LinkedAccount using Stripe Financial Connections or by providing account and routing numbers directly.","Create the InboundTransfer via POST /v1/treasury/inbound_transfers specifying financial_account, amount, currency (usd), origin_payment_method (the linked bank account payment method ID), and a description.","The InboundTransfer initiates a pull ACH debit from the external bank account; funds are not immediately available in the financial account — Stripe holds them until the ACH settles (typically 3–5 business days for first-time transfers, shorter for established accounts).","Monitor the treasury.inbound_transfer.succeeded and treasury.inbound_transfer.failed webhooks to update your internal funding state; a FAILED transfer means the ACH return code was received — inspect the failure_details.code for the specific return reason.","For faster funding, use Stripe Financial Connections with instant balance verification to reduce the hold period on the first transfer; subsequent transfers from verified accounts are typically faster.","Reconcile InboundTransfers by fetching GET /v1/treasury/transactions and filtering by the inbound_transfer flow type to see the matching ledger entries that credit the financial account balance."],"gotchas":["InboundTransfers are pull ACH debits — the external bank account owner must authorize the debit; pulling from an account without authorization creates a NACHA unauthorized return (R10 or similar), which counts against your unauthorized return rate.","There is no guaranteed same-day availability for InboundTransfer funds — plan Treasury account pre-funding schedules with sufficient lead time before large outbound disbursement runs.","If an InboundTransfer is returned (e.g., NSF or account closed), Stripe reverses the credit to the financial account; if OutboundPayments have already been initiated against those funds, your financial account may go negative — maintain a buffer balance to absorb returns."],"contributor":"waymark-seed","created":"2026-06-12T11:29:43.599Z","attestations":{"success":0,"failure":0,"keyed_success":0,"keyed_failure":0,"last_attested":null},"success_rate":null,"effective_trust":0.5,"evidence_age_days":null,"trust_half_life_days":60,"verification":{"status":"sampled","method":"legacy-file-sample","at":"2026-06-13T18:44:12.974Z"},"url":"https://mcp.waymark.network/r/820c9cd3-011c-4da9-8038-495afc0edd12"}