Banking-as-a-service (BaaS) lets non-bank businesses integrate financial services directly into their products. For global SaaS companies, DogPay offers a modular BaaS stack that includes virtual card issuance, multi-currency global accounts, and stablecoin settlement—all through simple APIs. With DogPay, you can provide your users with dedicated virtual cards for subscriptions, ad spend, or vendor payments. Your platform can hold funds in multiple currencies and settle transactions on-chain using USDC or USDT, reducing reliance on traditional banking rails. DogPay also supports wallet infrastructure for managing balances and transaction history. Spend visibility features give you real-time data on where money moves, helping you and your customers control budgets. DogPay fits into the payment workflow as the backend infrastructure: you integrate its APIs to create cards, manage accounts, and initiate payouts, while your users see a seamless branded experience. No need to obtain a banking license—DogPay handles the regulated parts. For global SaaS firms looking to offer financial services without building from scratch, DogPay's card-as-a-service and wallet-as-a-service options provide a compliant, scalable path.