# Treasury

Learn how to securely manage money with a financial account.

Looking to offer Treasury to your connected accounts? See [Treasury for platforms](https://docs.stripe.com/treasury/connect.md).

Stripe Treasury combines your payments and finances so you can store, spend, and send money from a single place. [Financial accounts](https://docs.stripe.com/api/v2/money-management/financial-accounts.md?api-version=2026-06-24.preview&rds=1) are the core components of Treasury. They receive your settled Stripe earnings, hold funds, and power capabilities such as physical or virtual cards, multi-currency management and conversion, and international outbound payments to recipients with [Global Payouts](https://docs.stripe.com/global-payouts.md). There are no monthly fees or minimum balance requirements to open or maintain a *financial account* (You can use a financial account to store, transfer, convert, or spend funds).

A financial account can hold [fiat balances](https://docs.stripe.com/treasury/store-funds.md#manage-currencies) such as USD, EUR, and GBP, and eligible businesses can also hold a [stablecoin balance](https://docs.stripe.com/treasury/store-funds.md#stablecoin-balances) in USDC.

If you’re eligible, you can access your financial account on the [Treasury](https://dashboard.stripe.com/treasury) page in the Stripe Dashboard or from the [Dashboard mobile app](https://docs.stripe.com/dashboard/mobile.md), which is available for [iOS](https://apps.apple.com/app/apple-store/id978516833?pt=91215812&ct=stripe-docs-mobile&mt=8) and [Android](https://play.google.com/store/apps/details?id=com.stripe.android.dashboard&pli=1).
![Treasury overview in the Stripe Dashboard and on the Dashboard mobile app](https://b.stripecdn.com/docs-statics-srv/assets/treasury-docs-combined.1771da348282fd83ca9fb0ffdc75baac.png)

## Availability

Treasury is available in the following countries:

- **United States**: Public preview
- **United Kingdom**: Public preview
- **Australia**: Private preview ([Request access](https://docs.stripe.com/treasury.md#au_treasury_preview)) 
  ### Interested in getting early access to Treasury in Australia?

Enter your email to request access.

  ```bash
  curl https://docs.stripe.com/preview/register \
    -X POST \
    -H "Content-Type: application/json" \
    -H "Referer: https://docs.stripe.com/treasury" \
    -d '{"email": "EMAIL", "preview": "au_treasury_preview"}'
```

For more information, see [Treasury product and feature availability](https://stripe.com/money-management/availability).

### Stablecoins

Eligible financial accounts can hold a [stablecoin balance](https://docs.stripe.com/treasury/stablecoins.md) in USDC in addition to fiat balances. This lets businesses receive, store, convert, and send funds in markets where fiat Treasury isn’t available.

## FDIC insurance eligibility (US only)

USD held in financial accounts can be eligible for [FDIC pass-through deposit insurance](https://www.fdic.gov/financial-institution-employees-guide-deposit-insurance/pass-through-deposit-insurance-coverage), except for the following types of accounts:

- Primary accounts
- Accounts with a v1 `Balance` object where `type` is null
- Accounts with a v2 `FinancialAccount` object where `type` is `payments`
- Accounts indicated in the Dashboard as ineligible for pass-through insurance

Funds that meet the requirements for pass-through insurance are eligible only when FDIC rules and regulations permit pass-through insurance. FDIC insurance covers up to 250,000 USD per depositor, per financial institution, for deposits held in the same ownership category.

FDIC deposit insurance coverage only protects against the failure of an FDIC-insured depository institution, and Stripe isn’t an FDIC-insured depository institution. Funds that qualify for FDIC pass-through deposit insurance are held at Fifth Third Bank, N.A., Member FDIC.

## Roles and permissions

Treasury uses Stripe’s standard [roles and permissions](https://docs.stripe.com/get-started/account/teams/roles.md) system. Administrator access is required to add funds and manage financial account settings.