# Treasury account availability for Stripe Atlas businesses

Stripe Atlas businesses may be eligible for Treasury accounts that hold US dollars (USD), stablecoins (OUSD or USDC), or both. Availability depends on the physical location of your account representative and the address information provided for your business and its owners.
All Atlas businesses are registered in the United States. However, US incorporation alone doesn't determine which Treasury account you can access.
## Accounts that hold US dollars
Atlas businesses whose account representative has a **physical address in the United States** may be eligible for a Treasury account that holds funds in USD.
Your representative’s address must reflect their actual physical location. A US registered-agent or virtual mailing address doesn't establish that your representative is physically located in the United States.
## Accounts that hold stablecoins
Atlas businesses whose account representative is **physically located outside the United States** may be eligible for a stablecoin Treasury account, with balances held in OUSD or USDC rather than USD.
Two separate country restrictions apply. **Your business must meet both requirements below**, along with Stripe’s other eligibility and verification requirements.
1. ### Address provided in your Atlas incorporation submission
Stablecoin Treasury accounts aren't available if the address country provided in your Atlas incorporation submission is one of the following:
* Afghanistan
* Algeria
* Bangladesh
* Belarus
* Bhutan
* Burundi
* Central African Republic
* China
* Cuba
* Democratic Republic of the Congo
* Guinea-Bissau
* Haiti
* Iran
* Iraq
* Japan
* Kenya
* Lebanon
* Libya
* Morocco
* Mozambique
* Myanmar
* Nepal
* Niger
* North Korea
* Pakistan
* Palestinian Territories
* Qatar
* Russia
* Somalia
* South Sudan
* Sudan
* Syria
* Tunisia
* Ukraine
* Venezuela
* Yemen
* Zimbabwe
This refers to the address country recorded in your Atlas incorporation submission, not the United States simply because your company is incorporated there.
2. ### Addresses of account representatives and owners
Stablecoin Treasury accounts aren't available if **any account representative or owner** has an address in one of the following:
* Afghanistan
* Algeria
* Belarus
* Burundi
* China
* Cuba
* Democratic Republic of the Congo
* Iran
* Iraq
* Japan
* Lebanon
* Libya
* Myanmar
* North Korea
* Palestinian Territories
* Russia
* Somalia
* South Sudan
* Sudan
* Syria
* Tunisia
* Ukraine
* Venezuela
* Yemen
These lists apply to stablecoin Treasury eligibility. They don't describe eligibility to incorporate a company using Stripe Atlas. Being outside the listed countries doesn't guarantee approval.
## Can I transfer money to and from external bank accounts with a stablecoin Treasury account?
**Yes.** A stablecoin Treasury account still provides **USD account and routing numbers** for receiving supported bank transfers, and supports transfers out to external bank accounts.
The distinction is how your balance is held: having USD account and routing numbers doesn't mean your Treasury balance is held in USD. Your stablecoin Treasury balance is held in OUSD or USDC.
Use the transfer instructions shown in your Stripe Dashboard for the supported transfer methods and required account details.