---
title: "Holding OUSD"
url: https://openusd.dev/guides/hold-ousd/
description: "Enable an OUSD business balance, choose a supported funding route, and distinguish stored OUSD from the asset transferred."
---

# Holding OUSD

Hold OUSD when your product needs a dollar-denominated balance that stays available between payments. For example, a business cash-management app could retain funds in OUSD, show the spendable balance, and use it later for supplier payouts.

The balance may live in a managed financial account or an onchain wallet. Choose that model before building the balance screen.

## Understand the balance

A [stablecoin](https://openusd.dev/guides/concepts/#stablecoin) balance is an amount of a particular asset. Keep the asset held, the asset deposited, and the asset paid out as separate fields: a service may convert between them.

[Custody](https://openusd.dev/guides/concepts/#wallets-and-custody) determines who safeguards the funds and authorizes movement. Use [Creating OUSD wallets](https://openusd.dev/guides/create-wallets/) if each customer needs an address; use [Managing OUSD custody](https://openusd.dev/guides/custody-ousd/) to choose the control arrangement.

## Define the requirements

-   Whose money is held: the business’s own funds or a named customer’s funds
-   Whether you need an account balance, an onchain wallet, or both
-   Approved business and beneficiary countries, funding methods and withdrawal routes
-   Fees, minimum amounts, access restrictions and the distinction between pending and spendable funds

## Build the holding workflow

1.  **Establish the owner and account.** Complete the chosen service’s onboarding and bind its account or wallet ID to the correct owner in your application.
2.  **Enable the asset and funding route.** Confirm that the resulting balance is OUSD. For an onchain deposit, verify the exact [network and token address](https://openusd.dev/networks/) accepted by the service.
3.  **Fund using the issued instructions.** Keep the deposit asset, amount and reference. An OUSD storage setting does not establish that an address accepts direct OUSD deposits.
4.  **Confirm the credit.** Record fees and any conversion separately. Update spendable funds only when the service reports the relevant credit as available.
5.  **Reconcile and expose the balance.** Compare your records with the provider or chain and retain the original transaction references. Use the shared [events and reconciliation workflow](https://openusd.dev/guides/integration-architecture/).

## Example: a business cash account

An illustrative account record separates the funding deposit, the conversion into OUSD, the available OUSD balance, and any amount reserved for a pending payout. That prevents a bank debit or an unconfirmed deposit from being displayed as spendable OUSD.

When funds leave, use [Sending payouts from OUSD](https://openusd.dev/guides/send-payouts/) to choose what the recipient receives.

## References and review

The [provider directory](https://openusd.dev/ecosystem/) and activity sections below link to the official product documentation behind each route. These general workflows are application-design guidance; provider-specific steps, eligibility and asset limits are in those profiles.

Documentation reviewed October 11, 2026. Modified October 12, 2026. No live integration independently tested.

## Available providers

-   [Bridge](https://openusd.dev/providers/bridge/#hold-ousd): Bridge custodial wallets explicitly support OUSD on Base, Ethereum, Solana and Tempo.
-   [Coinbase](https://openusd.dev/providers/coinbase/#hold-ousd): Coinbase documents buying and managing Open USD on its US exchange; business holding arrangements need confirmation.
-   [Privy](https://openusd.dev/providers/privy/#hold-ousd): Privy can expose a Bridge-custodied OUSD wallet and its balance inside an application.
-   [Stripe](https://openusd.dev/providers/stripe/#hold-ousd): Can an account hold OUSD? An eligible Treasury financial account can store OUSD, with Bridge custody. It holds one stablecoin storage currency at a time.
-   [Visa](https://openusd.dev/providers/visa/#hold-ousd): VSP supports OUSD balances for selected institutional clients in beta.