Who Is Responsible? Account Provider vs Platform vs Affiliate Service

Responsibility is split by role: the financial institution provides and independently approves the account and sets its terms, while the platform coordinates access and operations, and affiliate services cover separate offerings such as stablecoin conversion or crypto payment gateway services. No single party is responsible for everything, so finance teams should map each task to the party that actually owns it. This quick-reference guide sets out scannable role boundaries. It uses only approved DogPay product information and does not assume any capability, integration, fee, speed or geographic coverage beyond what is stated. Role boundary one: the financial institution owns the account DogPay is a digital finance and payment infrastructure platform, not the financial institution that provides a business account. The relevant financial institution provides and independently approves each account. Its opening documents determine the account type, the account holder and the terms that apply. Practical boundary: approval decisions, account terms and the governing documents sit with the institution. Businesses may apply online for a US-dollar business account and Hong Kong or Singapore multi-currency business account options, but the institution decides the outcome. No account approval is guaranteed. Role boundary two: the platform coordinates access and operations The platform role is infrastructure and coordination, not account provision. After approval, available account features may include international collections, cross-border payments, currency management, transaction records, reconciliation and reporting. Practical boundary: actual currencies, payment rails and functions depend on the institution, the account, the product and the jurisdiction. USD transfers may use ACH, SWIFT or Fedwire only where the relevant account and service arrangement support them. The platform does not guarantee payment acceptance, speed, coverage or business outcomes. Role boundary three: affiliates provide separate virtual-asset services USD and supported stablecoin conversion or settlement, and crypto payment gateway services, are provided by DogPay affiliates to eligible customers. These are subject to provider terms, applicable law and geographical availability. Practical boundary: affiliate services are distinct from the account itself. Eligibility, terms and availability are set by the affiliate provider and applicable law, not assumed from holding an account. Confirm scope directly with the provider before relying on any service. Quick-reference responsibility rows Use these rows as a copy-ready checklist when assigning ownership internally. Account approval and opening terms: financial institution. Account type, holder and terms: financial institution, per opening documents. Online application intake: platform. International collections, cross-border payments, currency management, transaction records, reconciliation and reporting, where available: platform and institution, per account and arrangement. USD rails such as ACH, SWIFT or Fedwire: only where the account and service arrangement support them. Stablecoin conversion or settlement and crypto payment gateway: DogPay affiliates, subject to provider terms, law and geography. Fees, exchange rates, speed and coverage: confirm with the relevant financial institution or service provider. Guarantees of approval or outcome: none. How to use these boundaries in practice Start by reading the institution's opening documents, because they define the account. Then confirm which features your specific account and service arrangement actually support. Finally, treat affiliate services as separate arrangements with their own terms and eligibility. Where any detail is outside the approved facts, confirm it with the relevant financial institution or service provider rather than assuming. FAQ Does DogPay provide the business account? No. DogPay is a digital finance and payment infrastructure platform, not the financial institution that provides a business account. Who approves the account? The relevant financial institution provides and independently approves each account, and its opening documents determine account type, holder and terms. Who provides stablecoin conversion and crypto payment gateway services? DogPay affiliates provide these to eligible customers, subject to provider terms, applicable law and geographical availability. Are USD payment rails guaranteed? No. USD transfers may use ACH, SWIFT or Fedwire only where the relevant account and service arrangement support them. Source and verification note This guide relies solely on the official DogPay product page at https://dogpay.com/hk/global-bank. No other supporting sources were used, and no external browsing is implied. Readers should verify account-specific details against the financial institution's opening documents and any affiliate provider terms. Scope and limitations This is a general role-boundary reference, not legal, tax or financial advice. It does not describe fees, exchange rates, processing speeds, coverage, integrations or geographic availability, because those depend on the institution, account, product, jurisdiction and provider terms. No account approval, payment acceptance, cost, speed, coverage or business outcome is guaranteed. Confirm anything outside the approved facts with the relevant financial institution or service provider.