> ## Documentation Index
> Fetch the complete documentation index at: https://docs.crossmint.com/llms.txt
> Use this file to discover all available pages before exploring further.
# Treasury Wallets
> Programmable wallets for managing your company's stablecoin treasury
Treasury Wallets are Crossmint [smart contract wallets](/wallets/why-smart-wallets) designed for businesses that need to hold, move, and manage stablecoins at scale. They share the same underlying [architecture](/wallets/architecture) and [signer model](/wallets/concepts/signers) as all Crossmint wallets, but are configured for company ownership, enterprise-grade controls, and integration with Crossmint's [Stablecoin Orchestration](/stablecoin-orchestration/overview) infrastructure.
This page explains what makes a wallet a treasury wallet, its key capabilities, common use cases, and how it fits within the Crossmint platform. If you are ready to get started with implementation, head over to the [Treasury Wallets guide](/wallets/guides/treasury-wallets).
## What Makes a Wallet a "Treasury Wallet"?
A Treasury Wallet is any Crossmint wallet created with `owner: "COMPANY"`. This single parameter changes how the wallet behaves:
| Dimension | User Wallet (`owner: "USER"`) | Treasury Wallet (`owner: "COMPANY"`) |
| --------------------- | ---------------------------------------------- | ------------------------------------------------------------------------------------------ |
| **Visibility** | Appears under the **Users** tab in the Console | Appears under the **Company** tab in the Console |
| **Intended operator** | End user or agent | Your finance/ops team or backend systems |
| **Typical signer** | Device signer, passkey, or email OTP | Server signer or [Cloud KMS](/wallets/guides/signers/cloud-kms) |
| **Custody model** | Non-custodial or hybrid | [Custodial](/wallets/concepts/custody-models#custodial) — your organization holds all keys |
| **Common extensions** | Swaps, staking, cards | On/off-ramp, regulated transfers, internal transfers |
Under the hood, both wallet types are identical smart contracts. The difference is operational: Treasury Wallets are meant to be controlled by your organization's infrastructure, not by an end user's device.
## Key Capabilities
### Programmable Controls
Treasury Wallets support the same [signer architecture](/wallets/concepts/signers) as all Crossmint wallets. For treasury use cases, this means you can:
* **Set role-based access** by assigning different server signers to different backend services.
* **Enforce multi-signature requirements** by configuring multiple signers that must co-approve high-value transactions.
* **Automate workflows** by combining server signers with your backend logic for scheduled payments, rebalancing, or threshold-based actions.
### Multi-Chain Support
Treasury Wallets work across all [supported chains](/introduction/supported-chains) — Solana, 20+ EVM chains (Ethereum, Base, Polygon, and others), and Stellar. You can hold stablecoins like USDC and USDT across multiple chains from a single integration.
### Security and Compliance
* **Smart contract wallets**: Each treasury wallet is backed by its own smart contract, providing enhanced security and programmability compared to traditional MPC or TEE-based custody.
* **SOC-2 compliance**: Independently audited security controls and processes.
* **Audit trails**: Immutable logs of all treasury operations for compliance and auditing.
* **Transaction monitoring**: Real-time monitoring via dashboards, APIs, and [webhooks](/wallets/guides/monitor-transfers-webhooks).
### Liquidity Management
Treasury Wallets integrate with Crossmint's on-ramp and off-ramp infrastructure:
* **Fund via bank transfer**: Convert fiat to stablecoins using Crossmint's [onramp](/stablecoin-orchestration/guides/on-off-ramps/funding-company-wallets).
* **Fund via crypto**: Send assets directly to the treasury wallet address.
* **Withdraw to bank**: Convert stablecoins back to fiat via Crossmint's [offramp](/stablecoin-orchestration/guides/on-off-ramps/withdrawing-from-company-wallets).
## Common Use Cases
Manage your company's stablecoin reserves with enterprise-grade controls and automation.
* **Multi-currency reserves**: Hold USDC, USDT, and other stablecoins across multiple chains.
* **Automated workflows**: Set up rules for rebalancing and disbursements.
* **Access controls**: Configure role-based permissions and multi-signature requirements.
* **Audit trails**: Complete transaction history and compliance reporting.
Power your payment flows with programmable treasury wallets.
* **Automated disbursements**: Schedule or trigger payments based on business logic.
* **Batch processing**: Execute multiple payments efficiently.
* **Compliance integration**: Built-in AML screening and transaction monitoring via [Stablecoin Orchestration](/stablecoin-orchestration/overview).
* **Reconciliation**: Automatic matching of payments to invoices and records.
Optimize treasury operations by managing liquidity across chains and protocols.
* **Cross-chain rebalancing**: Move funds between chains based on preset rules or triggers.
* **Liquidity aggregation**: Consolidate funds from multiple sources into your treasury.
* **Automated conversion**: Set rules to maintain target balances across different stablecoins.
* **Gas optimization**: Crossmint's [gas sponsorship](/wallets/guides/gas-sponsorship) handles transaction fees.
## How Treasury Wallets Fit the Crossmint Platform
Treasury Wallets sit at the intersection of two Crossmint products:
* **[Wallets](/wallets/overview)**: Treasury Wallets use the same SDK, API, and signer model. Everything you learn about Crossmint wallets — creating them, managing signers, checking balances, transferring tokens — applies directly.
* **[Stablecoin Orchestration](/stablecoin-orchestration/overview)**: Treasury Wallets are the accounts from which regulated transfers, pay-ins, payouts, swaps, and on/off-ramp flows originate. If you are building stablecoin payment flows, your Treasury Wallet is the starting point.
## See Also
Step-by-step guide to create a treasury wallet and check balances
How signer choices map to custody architectures
Regulated infrastructure for moving stablecoins at scale
The full signer type reference and recommended configurations