Banking-as-a-service platform enabling businesses to store funds, send money, manage expenses, and access stablecoins.
Stripe Treasury provides financial accounts for storing funds, sending money, managing expenses with virtual and physical cards (2% cashback), converting currencies, and accessing stablecoins in 100+ countries. Includes instant free money transfers between US businesses, 15-currency storage for US/UK businesses, and accounting integrations with Xero and QuickBooks. FDIC insurance through Fifth Third Bank N.A.; cards issued by Cross River Bank. Also available as Treasury for Platforms for embedded financial services.
Treasury enables platforms and marketplaces to embed full banking functionality into their own products, creating seamless financial experiences for end users without building banking infrastructure from scratch.
Goldman Sachs
Goldman Sachs — Transaction Banking
goldmansachs.com
Graph Finance
Multi-Currency Accounts
graph.finance
Erebor
Nationally Chartered Bank
erebor.bank
Mercury
Treasury
mercury.com
| Attribute | Stripe Treasury | Goldman Sachs — Transaction Banking | Multi-Currency Accounts | Nationally Chartered Bank | Treasury | |
|---|---|---|---|---|---|---|
| Provider | | | | | | |
| Founded | 2010 | 1869 | 2021 | 2025 | 2017 | |
| Sells To | Enterprises, SMB | Institutional | Business | Business | Startup | |
| Pricing Model | Recurring, Transactional, Usage-based | Fee-Based Revenue | Transaction Fees | Interest Income | SaaS | |
| Ownership | Private equity-backed, Venture-backed | Public | Private | Venture-backed | Private |
Provider
Founded 2010
Sells To Enterprises, SMB
Pricing Model Recurring, Transactional, Usage-based
Ownership Private equity-backed, Venture-backed
Provider
Founded 1869
Sells To Institutional
Pricing Model Fee-Based Revenue
Ownership Public
Provider
Founded 2021
Sells To Business
Pricing Model Transaction Fees
Ownership Private
Provider
Founded 2025
Sells To Business
Pricing Model Interest Income
Ownership Venture-backed
Provider
Founded 2017
Sells To Startup
Pricing Model SaaS
Ownership Private
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API-first payment operations platform for bank money movement, ledgering, and reconciliation.
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API-driven banking infrastructure that lets partners embed compliant lending, disbursement, and money-movement experiences.
Embedded-banking infrastructure with APIs, ledger, operations, compliance, payment, card, and account tooling.
Corporate treasury and cash management for global enterprises.
Payments infrastructure API enabling banks, fintechs, and enterprises to embed cross-border payments and multi-currency accounts.
MoonPay Enterprise is a stablecoin API platform for fiat collection, conversion, payouts, and issuance.
Flutterwave Issuing issues virtual and physical cards with a business spend management platform.
Lead Bank Partner Platform provides API-driven banking infrastructure for embedded-finance partners.
Arc Treasury offers intelligent cash management and treasury services for technology companies with FDIC-insured sweep products.
White-label digital wallet with virtual accounts and Visa card issuance.
