Global SaaS companies often receive payments in cryptocurrency and need to convert those funds to fiat currency for everyday expenses like cloud services, contractor payments, and marketing. DogPay offers a streamlined approach to OTC (over-the-counter) settlement by providing a dedicated wallet infrastructure that supports stablecoin settlement. Businesses can deposit USDC or USDT into their DogPay account and use virtual cards and global accounts to spend in fiat without relying on traditional banking intermediaries. This reduces settlement times and provides better control over multi-currency spending. DogPay's platform gives finance teams real-time visibility into transactions and allows them to manage spend limits per card or user. While OTC rates may vary, DogPay's stablecoin-first model simplifies the conversion process for recurring operational needs. By using DogPay, global SaaS firms can maintain a crypto-friendly treasury while accessing familiar fiat payment rails. DogPay's wallet and card infrastructure helps bridge the gap between crypto inflows and fiat outflows, offering a practical solution for international spend management.