Who is responsible for what? Account provider vs platform vs affiliate service

The financial institution provides and independently approves the account, the platform coordinates access and operations around it, and affiliates deliver separate virtual-asset services under their own terms. Responsibility follows the entity that supplies each function, not the brand a business sees on screen. This quick-reference guide maps those role boundaries so finance teams know who to ask about account terms, who to ask about payment operations, and who to ask about stablecoin or crypto services. Role boundary one: the financial institution owns the account The relevant financial institution provides and independently approves each business account. Its opening documents determine the account type, the account holder and the terms that apply. That means questions about eligibility, approval, account conditions and the contractual relationship sit with the institution, not with the platform. DogPay is a digital finance and payment infrastructure platform and is not the financial institution that provides a business account. Businesses may apply online for a US-dollar business account and Hong Kong or Singapore multi-currency business account options, but the institution makes the decision. Role boundary two: the platform coordinates access and operations After approval, available account features may include international collections, cross-border payments, currency management, transaction records, reconciliation and reporting. The platform layer is where a business applies, where operational workflows are organised, and where account activity is reviewed. 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. Confirm rail availability for your specific account rather than assuming it from a general product description. Role boundary three: affiliates deliver virtual-asset services USD and supported stablecoin conversion or settlement, and crypto payment gateway services, are provided by DogPay affiliates to eligible customers. These services are subject to provider terms, applicable law and geographical availability. That makes affiliate services a distinct responsibility line. Eligibility, permitted use, supported assets and availability are governed by the affiliate provider's terms, and a business should confirm those terms directly before relying on the service in a workflow. Quick-reference table: who to ask Account approval, account type, holder details and account terms: the relevant financial institution. Application route, operational workflows, transaction records, reconciliation and reporting views: the platform layer, subject to what the institution and account support. Stablecoin conversion or settlement, crypto payment gateway access, affiliate eligibility and geographic availability: the DogPay affiliate providing that service. Payment rail availability for a specific account: the institution and the applicable service arrangement. What no party guarantees No account approval, payment acceptance, fee, exchange rate, speed, coverage or business outcome is guaranteed. Treat any planning assumption about cost, timing or reach as something to verify against the actual account documents and provider terms. Where a question falls outside these approved facts, confirm it with the relevant financial institution or service provider before building it into a process. Frequently asked questions Does DogPay approve my business account? No. The relevant financial institution provides and independently approves each account, and its opening documents set the account type, holder and terms. Who sets the terms for stablecoin settlement? DogPay affiliates provide USD and supported stablecoin conversion or settlement and crypto payment gateway services to eligible customers, subject to provider terms, applicable law and geographical availability. Can I assume ACH, SWIFT or Fedwire will be available? No. USD transfers may use those rails only where the relevant account and service arrangement support them, so confirm with the institution. Who do I ask about reconciliation and reporting? Start with the platform layer for available features, and confirm account-level specifics against the institution's documents. Source and verification note This guide is based 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, rail and affiliate service details with the relevant financial institution or service provider. Scope and limitations This is a general role-boundary reference, not legal, tax or financial advice. It does not describe any specific institution's terms, any guaranteed capability, integration, fee, speed or geographic coverage. Product availability varies by institution, account, product and jurisdiction, and affiliate services vary by eligibility, provider terms and law.