Businesses can leverage DogPay to enter the Banking as a Service (BaaS) space without needing a banking license. DogPay provides a modular platform that includes virtual card issuance, global IBAN accounts, and stablecoin settlement. This allows companies to offer financial services like prepaid cards, multi-currency wallets, and payment processing to their customers. With DogPay, businesses can white-label a wallet and card infrastructure, enabling their users to store funds, spend in multiple currencies, and settle transactions using stablecoins like USDC. The platform supports compliance with KYC/AML checks and provides real-time transaction data for better spend visibility. However, it does not guarantee automatic top-ups or merchant acceptance. DogPay fits the payment workflow by acting as the infrastructure layer, connecting businesses to card networks and banking partners. This enables companies to focus on their product while DogPay handles the payment operations, compliance, and settlement.