Wallet-as-a-Service (WaaS) enables businesses to integrate payment capabilities directly into their platforms. DogPay provides the infrastructure for companies to offer virtual cards, global accounts, and stablecoin settlement without building from scratch. By embedding DogPay's wallet and card issuance features, businesses can let their customers hold funds, make payments, and manage spending in a compliant manner. DogPay supports stablecoin settlement, which can reduce transaction costs and settlement times for cross-border payments. Global accounts allow customers to receive and hold funds in multiple currencies. Virtual cards can be issued for employee expenses, vendor payments, or customer rewards. DogPay's compliance tools help businesses meet regulatory requirements. The platform does not guarantee approval or acceptance but provides the building blocks for a robust payment experience. With DogPay, businesses can focus on their core product while offering a seamless payment workflow to their users.